Skip to main content

Full text of "Thirty-Seventh Massachusetts Fire"

See other formats


State Library 



MASSACHUSETTS. 



\. 



1 



Return as Soon as Used. 



1 



PUBLIC DOCUMENT .... .... No. 9. 



THIRTY-SEVENTH ANNUAL REPORT 



OF THE 



Insurance Commissioner 



or TnE 



<£0mm0iifoealtfr nf llJassatjwsetfs, 



January 1, 1892. 



PART I. 

FIRE AND MAEINE INSUEANCE. 



BOSTON : 

WRIGHT & POTTER PRINTING CO, STATE PRINTERS, 

18 Post Office Square 

1892. 









MAY 






3k? M3 

/A 

TABLE OF CONTENTS 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

PAGE 

Introductory, v 

companie8 admitted during 1891, v * 

withdrawn during 1891, vi 

Massachusetts Companies that have discontinued Business since 

1795, vii-x 

Companies of other States and countries that have withdrawn since organ- 
ization of the Department x-xiv 

Fire Losses during the Year, xv 

Statistics of Fires, xviii 

Fire Waste, xx 

Securing Statistics, ■ xxii 

Finances of the Department, xxvii 

Comparative Tables, xxix 

Massachusetts Mutual Fire Insurance Companies: 

Comparative Table A, xxxi 

Massachusetts Mutual Marine Insurance Companies : 

Comparative Table B xxxii 

Massachusetts Joint-Stock Insurance Companies : 

Comparative Table C xxxiii 

Insurance Companies of other States: 

Comparative Table D, . . . . f xxxiv 

United States Branches of Foreign Insurance Companies: 

Comparative Table E xxxv 

Massachusetts Business : 

Comparative Table F, + xxxvi 

Comparative Ratios, xxxvi 

Aggregates of all the Companies xxxvii 

Table G. — Fire risks written, premiums received and losses incurred in 

Massachusetts, xxxviii 



IV 



TABLE OF CONTENTS. 



divi- 



Statistical Tables, 

Massachusetts Mutual Fike Insurance Companies: 

Table I. — Risks, assets, liabilities and surplus 

Table II. — Gross cash income and expenditures, premiums, losses and 

expenses, 

Massachusetts Mutual Marine Insurance Companies: 

Table III. — Guaranty fund, scrip, risks, assets, liabilities and surplus, . 
Table IV. — Gross cash income and expenditures, premiums, losses and 

expenses, 

Massachusetts Joint-Stock Insurance Companies: 

Table V. — Cash capital, risks, assets, liabilities and surplus, 
Table VI. — Risks written, premiums received and losses paid, 
Table VII. — Gross cash income and expenditures, expenses and 

dends, 

Insurance Companies of other States: 

Table VIII. — Cash capital, risks, assets, liabilities and surplus, 
Table IX. — Risks written, premiums received and losses paid, 

X. — Gross cash income and expenditures, expenses and 

dends, 

XI. — United States branches, showing deposits, etc., . 
XII. — United States branches, business of 1891, . 
Massachusetts Business in Detail. —Table XIII 

Statistics of Fires in Massachusetts : 

Table XIV.— Property, fires, insurance, loss, etc., 

Table XV. — Fires classified by months, .... 

Table XVI. — Causes of fires, 

Table XVII. — Summary 

Table XVIII. — Fires by months for fourteen years, . 
Table XIX. — Receipts and expenditures of the insurance depart- 
ment, 



Table 

Table 
Table 



divi 



PAGE 

xxxix 

xl 
xlii 

xliv 



xhv 



xlv 

xlvi 

xlvii 



xlviii 
iii 

lviii 
lxiii 
lxv 

lxvii 

lxxiii 

lxxix 

lxxxiv 

lxxxfx 

xc 



XC1 



DETAILED STATEMENT. 
Massachusetts Mutual Fire Companies, 



Massachusetts Mutual Marine Companies, 

Massachusetts Joint-Stock Fire, Marine and Fire-Marine Companies, 
Fire, Marine and Fire-Marine Insurance Companies of Other States, 

United States Branches of Foreign Companies, 

Insurance Companies of Other States and Foreign Countries, with Amount of 
Business done, and Tax paid by Each, 



Appendix, 



1 

SI 

89 

121 

427 
435 



Note. — The statement of the Lancashire Insurance Company of Man- 
chester, Eng., showed an impairment which would disqualify it from 
further continuance of business in this State. Of this the manager was 
notified and at once assured the Commissioner that the deficiency would 
undoubtedly be made up b} T remittances from the Head Office. In the 
expectation of this the statement has taken the usual course and passed 
through the abstracts and tables of the Report, but when too late to be 
recalled from the printer, the manager reports his inability to obtain the 
requisite funds and announces the withdrawal of the company from the 
Commonwealth. 



C0mm0nfotaItb of Utassatfcusrits 



Insurance Department, Boston, March 23, 1892. 

To the Honorable the Senate and the House of Representatives. 

In compliance with the requirements of law, herewith is 
submitted Part I. of the thirty-seventh annual report of this 
department, relating to fire and marine insurance. The number 
of companies authorized to transact business in this Common- 
wealth at the close of the year 1891 was 181, being 23 less 
than at the close of the previous year, an unpleasantly signifi- 
cant reduction. These companies were classified as follows : — 

Massachusetts Mutual Fire, 50 

Massachusetts Mutual Marine, 3 

Massachusetts Joint Stock, 11 

Other States, 85 

United States Branches Foreign Companies, ... 32 

Total, 181 

The license of the British America Assurance Company of 
Canada was revoked Feb. 24, 1892, because of violation by the 
corporation of the provisions of the trust deed upon which it 
was admitted, and because, according to its sworn statement, 
it did not possess at the close of business on Dec 31, 1891, 
sufficient assets and unimpaired funds to meet its liabilities. 

The following changes have taken place in the list of com- 
panies transacting business in Massachusetts since date of last 
report. 



VI 



REPORT OF THE 



Companies Admitted during the Year. 



NAME OF COMPANY. 



Location. 



Date of 
Admission. 



Caledonian, 

Union Society, 

Farmers' Fire, 

Teutonia, 

Wachusett Mutual 

Franklin, 

Royal Exchange 

Queen Insurance Company of America, 
Capital Fire, 



Edinburgh, Scotland, 
London, England, 
York, Pa., . 
New Orleans, La., 
Fitchburg, Mass., . 
Louisville, Ky., 
London, England, 
New York, N. Y., 
Concord, N. EL, . 



March 2, 1891. 

May 1, ** 

July 1, " 

July 6, " 

July 13, " 

Aug. 21, •« 

Sept. 14, " 

Oct. 18, " 
Dec. 1 



Companies Withdrawn during the Year. 



NAME OF COMPANY. 



City Fire, . 

Commercial Mutual, 
Jefferson, . 
Commercial, 
New York Fire, 

Peoples' Fire, 

Mill Owners' Mutual, 
Peoples', 

Exchange Fire, . 

Empire State, 
Eliot, . 
Shelburne Mutual, 

Queen, 

Liberty, 

Salem Marine, . 

Neptune Fire and Marine, 

Fire Association of New York, 

Denver 

Packers and Provision Dealers, 

Marine, 
Enterprise, . 
Citizc s, 

California, . 

Prudential, . 
Meriden Fire, 
North River, 
Broadway, . 
Union, 
Citizens, 
Alliance, 

Electric Mutual, 
British America, 



Location. 



Date. 



KemarkB. 



New York, . 

New York, . 
New York, . 
San Francisco, 
New York, . 

New York, . 

Boston, . 
Pittsburgh, Pa., . 

New York, . 

Rochester, X. Y., 
Boston, . 
Shelburne, Mass., 

Liverpool, 

New York, . 

Salem, Mass., 

Boston, . 

New York, . 

Denver, Col., 

Chicago, 111., 

St. Louis, Mo., 
Cincinnati, Ohio, . 
Cincinnati, Ohio, . 

San Francisco, 

Boston, . 

Meriden, Conn., . 
New York, . 
New York, . 
San Francisco, 
Pittsburgh, Pa., . 
New York. . 

Boston, . 
Toronto, Can., 



1891. 
Feb. 

March 4, 
March 10, 
April 8, 
April 9, 

June 2, 

July 1, 
Aug. 10, 

Sept. 10, 

Sept. 24, 
Sept. 26, 
Sept. 28, 

Oct. 31, 

Nov. 7, 
Nov. 19, 

Dec. 11, 

Dec. 15, 

Dec. 15, 

Dec. 21, 

Dec. 29, 
Dec. 31, 
Dec. 31, 

Dec. 31, 

Dec. 31, 

Dec. 31, 

Dec. 31. 

Dec. 31. 

Dec. 31. 

Dec. 31. 

Dec. 31. 

1S92. 
Jan. 7, 

Feb. 24, 



Re-insured in Guardian 
Assurance. 

Voted to discontinue busi- 
ness and re-insure. 

Re-insured in Home, N. Y. 

Re-insured in Palatine, Eng- 
land. 

Reinsured in Home, N. Y. 

Re-insured fire risks in Na- 
tional of Hartford; inland 
risks in Greenwich of New 
York. 

Re-insured in Ark w right 
Mutual, Boston. 

Re-insured in St. Paul, Ger- 
man, St. Paul, Minn. 

Re-insured in Lancashire, 
England. 

Re-insured inRoyal.England. 

Re-insured in Niagara, N. Y. 

Voted todiscontinuebusiness. 

Re-insured in Queen of Amer- 
ica, New York. 

Re-insured in Home, N. Y. 

Re-insured in Ins. Co. of 
X. America, Philadelphia. 

Re-insured in Providence, 
Washington, Prow, R. I. 

Re-insured in Lancashire, 
England. 

Re-insured in Phenix, Brook- 
lyn, X. Y. 

Re-insured in Norwich Union, 
England. 

Re-insured in Manchester 
Assurance, England. 

Re-insured inRoyal.England. 

Re insured in German Amer- 
ican, N. Y. 

Re-insured Eastern risks in 
People's Fire, N. H. 

Re-insured in Home, N. Y. 

Re-insured in Royal, England . 



Re-insured in Home, X. Y. 
Authority revoked. 



INSURANCE COMMISSIONER. 



Vll 



Companies that have Discontinued Business. 



Massachusetts Companies. 

List of all the Fire and Marine Insurance Companies which are of record as having 
been incorporated in this Commonwealth and discontinued business since 1795. The 
list is in chronological order of organization : — 





Location. 


Incorpo- 
rated. 


Closed. 


Massachusetts Fire (changed to Massachu- 








setts Fire and Marine in 1799), 


Boston, . 


1795 


1848. 


Massachusetts Mutual Fire, 


Boston, . 


1798 


1872. 


Boston Marine, 


Boston, . 


1799 


Unknown. 


Newbury port, 


Newburyport, 


1799 


1832. 


Maine Fire and Marine, .... 


Portland, 


1800 


Unknown. 


Salem Marine 


Salem, . 


1800 


1839. 


Suffolk, 


Boston, . 


1803 


1856. 


New England Marine, 


Boston, . 


1803 


1843. 


Marblehead, 


Marblehead, . 


1803 


Unknown. 


Gloucester Marine, 


Gloucester, . 


1803 


Unknown. 


Union, 


Boston, . 


1804 


Unknown. 


Union Marine, 


Salem, . 


1804 


1842. 


Nantucket Union Marine, .... 


Nantucket, . 


1804 


1832. 


Union Marine and Fire, .... 


Newburyport, 


1807 


1815. 


Social, 


Salem, . 


1808 


Unknown. 


Merchant's, 


Boston, . 


1816 


1872. 


Salem Commercial, 


Salem, . 


1818 


1842. 


Nantucket Phoenix 


Nantucket, . 


1819 


1838. 


Pittsfield Mutual Fire, 


Pittsfield, 


1819 


Unknown. 


Columbian, 


Boston, . 


1820 


1840. 


Bedford Commercial, 


New Bedford, 


1821 


1853. 


Manufacturers', 


Boston, . 


1822 


1872. 


Franklin, 


«« 


1823 


1872. 


Boston, 


«< 


1823 


1872. 


Atlas, . 


(4 


1824 


1841. 


Washington Fire and Marine, 


l< 


1824 


1872. 


Oriental, 


Salem, . 


1824 


1857. 


United States, ...... 


Boston, . 


1825 


1862. 


Boylston Fire and Marine, .... 


Boston, . 


1825 


1872. 


^Etna (changed to National in 1832), . 


Boston, . 


1825 


1872. 


Merchants', 


New Bedford, 


1825 


1845. 


Roxbury Mutual Fire, .... 


Roxbury, 


1827 


Unknown. 


Plymouth County Mutual, .... 


Plymouth, 


1828 


1865. 


Ocean, 


Boston, . 


1830 


1843. 


Atlantic, 


Boston, . 


1830 


1843. 


Hope, 


Boston, . 


1830 


1857. 


Becket Mutual Fire, 


Becket, . 


1830 


1858. 


Charlestown Fire and Marine (changed to 








Neptune, 1831), 


Boston, . 


1830 


1872. 


Haverhill Mutual, 


Haverhill, 


1831 


1865. 


Fishing, 


Boston, . 


1831 


1844. 


Fairhaven, 


Fairhaven, 


1831 


1857. 


Commercial, 


Nantucket, . 


1831 


1860 


Mechanics', 


New Bedford, 


1831 


1849. 


Firemen's, 


Boston, . 


1831 


1872. 


Protection, 


Boston, . 


1832 


1839. 


Westfield Mutual Fire, .... 


Westfield, 


1832 


1857. 


Fishing, 


Provincetown, 


1832 


1845. 


Lynn Mechanics' Fire and Marine, 


Lynn, 


1833 


1867. 


Union Fire and Marine, .... 


Lynn, . 


1833 


1841. 


Tremont, 


Boston, . 


1833 


1857. 


Boston Mutual Fire, 


Boston, . 


1833 


1861. 


Weymouth and Braintree Mutual, 


Weymouth, . 


1833 


1879. 



VIU 



REPORT OF TIIK 



Massachusetts Companies — Continued. 



Location. 



Incorpo- 
rated. 



Cloud. 



Manufacturers' Mutual, 

Second Essex Mutual Fire, . 

Essex, 

Old Colony, 

Warren, 

Charlestown Mutual Fire, ... 

Marlboro Mutual Fire, .... 

Nashua River Mutual Fire, 

Mechanics' Mutual Fire, ... 

Suffolk Mutual Fire 

Hope, 

state Mutual Fire, . 

Merchants and Mechanics', ... 

Boston Mutual Fire, . 

Pacific, 

Essex Marine, 

Union, 

Equitable Safety, 

New England Mutual Marine, 

Cohannet Mutual Fire, . 

Acton Mutual Fire, 

Taunton Mutual Fire, 

Whaling, 

Holliston Mutual Fire, 

Truro Fire and Marine, . 

Union Mutual, 

State Mutual, 

Mutual Marine, 

Farmers' Mutual Fire, 

Essex Mechanics' Mutual Fire, . 
Tremont Mutual 

Traders' Mutual, 

South Mutual Fire, 

Dighton Mutual Fire, 

City Mutual Fire, 

Agawam Mutual Fire, 

City Mutual Fire, 

Real Estate Mutual Fire, . 

Tanners' Mutual, 

Bowditch Mutual Fire (changed to Hamil- 
ton Mutual Fire, 1852), . 

Gloucester Marine, 

Lawrence Mutual Fire (changed to Hamil- 
ton Mutual Fire, 1852), . . . . 
Cochituate Fire (changed to City Fire, 

1856) 

Peoples' Mutual Fire (changed to People's 

Fire, 1860) 

Coasters' Mutual Marine, . 
Lawrence Mutual Fire, . 

Chelsea Mutual Fire, 

Quincy Mutual Fire, 

Howard Fire, 

Bay State Mutual Fire, . 

Maverick Mutual Fire, 

Peoples' Equitable Mutual Fire, . 
Mechanics' and Farmers' Mutual Fire 
(changed to Housatonic Mutual Fire, 

1854) 

Marblehead Mutual Fire, 
Long Pond Mutual Fire, 
Columbian Fire and Marine, 
Eliot Fire, .... 
Conway Mutual Fire, . 
Conway Fire, 



J Worcester, 
ilem, . 
!em, . 
j Plymouth, 

Boston, . 
I Charlestown, 

Marlboro, 

Groton, . 

Boston, . 

Boston, . 
lem, . 

Boston, . 

Canton, . 

Boston, . 

New Bedford, 

Newburyport, 
I Provincetowu, 

Boston, . 

Boston, . 

Taunton, 

Acton, . 

Taunton, 

New Bedford 

Holliston, 
I Truro, . 
I Boston, . 

Boston, . 

New Bedford 

Georgetown, 

Salem, . 

Boston, . 

Boston, . 

Boston, . 
' Dighton, 

Boston, . 

Ipswich, 

Roxbury, 
I Boston, . 
| Boston, . 

Salem, . 
, Gloucester, 

Lawrence, 

! Boston, . 

Worcester, 
Boston, . 
Methuen, 
Chelsea, . 
Quincy, . 
Boston, . 
Chelsea, 
Chelsea, . 
Taunton, 



Stockbridge, 
Marblehead, 
Boston, . 
Boston, . 
Boston, . 
Conway, 
Boston, . 



1834 
1834 
1835 
1835 
1835 
1836 
1830 
1836 
1836 
1836 
1837 
1837 
1837 
1838 
1839 
1839 
1839 
1839 
1839 
1840 
1840 
1840 
1841 
1841 
1841 
1843 
1843 
1843 
1844 
1844 
1844 
1844 
1845 
1845 
1845 
1846 
1846 
1846 
1847 

1847 
1847 

1847 

1847 

1847 
1847 
1847 
1847 
1847 
1848 
1848 
1848 
1848 



1843. 
1862. 
1856. 

1861. 

1866. 
Unknown. 

Unknown. 



1856. 

1844. 

1856. 

1866. 

1871. 

1844. 

Unknown. 

Unknown. 

1858. 

1864. 

1841. 

1872. 

1865. 

1866. 

1862. 

Unknown. 

1857. 

1861. 

1855. 

Unknown. 

Unknown. 

1852. 

1877. 

1853. 

1862. 

1861. 
1869. 

1861. 

1872. 

1872. 

1857. 

Unknown. 

1867. 

Unknown. 

1872. 

Unknown. 

1851. 

1864. 



1848 


1875. 


1848 


Unknown 




1S53. 


1849 


Unknown 


1849 




1849 




1849 


1865. 



INSURANCE COMMISSIONER. 



IX 



Massachusetts Companies — Continued. 



Location. 



Incorpo- 
rated. 



Closed. 



Marblehead Marine and Fire, 

Massachusetts Fire and Marine, 

Revere Mutual Fire and Marine 

Adams Mutual Fire, . 

North American Fire, . 

Railroad Mutual Fire, . 

Hampden Mutual Fire, 

Triton Mutual Marine, . 

Chebacco Mutual Fire, 

Union Mutual Marine, 

Great Barrington Mutual Fire (changed to 

Housatonic), 
City Mutual Marine and Fire, 
Paper Manufacturers' Mutual, 
Franklin Mutual Fire, . 
Sagamore Mutual Fire, 
Union Mutual Marine, 
Hamilton Mutual Fire, 
Westfield Mutual, 
Beverly (Marine), 
Pentucket Mutual Fire, 
Ware Mutual Fire, 
Metropolitan Fire and Marine, 
Mutual Safety Fire, 
Lee Mutual Fire, . 
Shawmut Mutual Fire, 
Cape Cod Mutual Fire, 
Appleton Mutual Fire, 
Eagle Fire, . 

Boston Mutual Fire, . . 
Housatonic Mutual Fire, 
Greenfield Stock and Mutual Fire 
Star Mutual, .... 
Traders' Mutual Fire, . 
Boot and Shoe Manufacturers' Mutual 
Atlantic Mutual Marine, 
Fayette Mutual Fire, . 
Northampton Mutual Fire, . 
Fairhaven Mutual Marine, • 
Prescott Fire and Marine, . 
Shoe and Leather Dealers' Fire and Marine, 
Quincy Fire and Marine (changed to Pres- 
cott Fire and Marine), 
New England Railroad Mutual Fire, 
Pacific Mutual, 
Home Mutual Fire, 
Bowdoin Mutual Fire, . 
Boston Inland Mutual, 
Merchants' Mutual Marine, . 
Massasoit, .... 
Salem Marine, 
Dorchester Fire, . 
Winthrop Mutual Fire, 

Suffolk Fire 

Home Mutual Fire, 
Tri-mountain Mutual Fire, . 
Bay State Fire, 
Cape Cod Mutual Fire, 
Fall River Mutual Fire, 
Bunker Hill Fire, . 
Ocean Mutual, 
Commercial Mutual Marine, 
Cape Cod Mutual Fire, 
Tremont, .... 
Independent, .... 



Fire, 



Marblehead, 
Ipswich, 
Boston, . 
Adams, . 
Boston, . 
Boston, . 
Springfield, 
Boston, . 
Essex. . 
New Bedford, 



Great Barrington, 

Boston, . 

Pittstield, 

Lynn, . 

Lynn, 

Newburyport 

Salem. . 

Westfield, 

Beverly, 

Haverhill, 

Ware, . 

Boston, . 

South Reading, 

Lee, 

Boston, . 

Sandwich, 

Boston, . 

Boston, . 

Boston, . 

Stockbridge, 

Greenfield, 

Boston, . 

Boston, . 

Lynn. 

Provincetown 

Lawrence, 

Northampton 

Fairhaven, 

Boston, . 

Boston, . 

Quincy, . 
Boston, . 
New Bedford 
Springfield, 
Boston, . 
Boston, . 
Newburyport 
Springfield, 
Salem, . 
Dorchester, 
Boston, . 



Worcester, 
Harwich, 
Fall River, 
Charlestown, 
New Bedford, 
New Bedford, 
Harwich, 
Boston, . 
Boston, . 



1850 
1850 
1850 
1851 
1851 
1851 
1851 
1851 
1851 
1851 

1851 
1851 
1852 
1852 
1852 
1852 
1852 
1852 
1852 
1853 
1853 
1853 
1853 
1853 
1853 
1853 
1853 
1853 
1854 
1854 
1854 
1854 
1854 
1854 
1854 
1855 
1855 
1855 
1855 
1855 

1855 
1856 
1856 
1856 
1856 
1856 
1857 
1857 
1857 
1858 
1858 
1859 
1859 
1860 
1860 
1861 
1861 
1883 
1863 
1863 
1863 
1867 
1867 



1855. 

1857. 

1864. 

1857. 

1872. 

1856. 

1866. 

1857. 

Unknown. 

1877. j 

1854. 

1857. 

1866. 

Unknown. 

1856. 

1857. 

1861. 

1879. 

1881. 

1857. 

Unknown. 

1855. felia a 

1861. , 

Unknown. 

1859. 

Unknown, 

1860. 

1862. 

1860. 

Unknown. 

1859. R2't| 

Unknown. 

1861. 

1872. 

1881. 

1861. 

Unknown. 

1861. j 

1872. 

1872. 

1872. 

1859. 

1874. „ -r^ej 

Unknown. 

Unknown. 

1861. 

1872. j 

1866. 

1891. 

1864. 

Unknown. * 

1872. 

1861. 

1864. 

1872. 

Unknown. 

Unknown. 

1865. 

1874. 

1878. 

Unknown. 

1872. 

1871. 



REPORT OF THE 



Massachusetts Companies — Concluded. 





Location. ,X 


^ed. 


Monitor Mutual, 


Boston, . 


1867 


1870. 


Hide and Leather, . 






Boston, . 




1867 


1871. 


Central Mutual Fire, 






Worcester, 




1867 


1874. 


Builders' Mutual Fire, . 






Boston, . 




1868 


1877. 


Naumkeag Mutual Fishing, . 






Salem, . 




1868 


1875. 


Mutual Benefit Fire, 






Boston, . 




1869 


1872. 


Naumkeag Mutual Fire, 






Salem, . 




1869 


1873. 


Gloucester Fire, .... 






Gloucester, 




1869 


1884. 


Lawrence Fire, 






Boston, . 




1870 


183 


Exchange, .... 






Lynn, 




1870 


TL 


Southbridge Mutual Fire, . 






Southbridge, 




1870 


1874. 


Pemberton Mutual Fire, 






Lawrence, 




1871 


1873. 


Faneuil Hall 






Boston, . 




1871 


1880. 


New England Mutual, . 






14 




1872 


1880. 


Shoe and Leather, 






>. 




1872 


18- 


Washington Fire and Marine, 






II 






1888. 


Prescott, .... 






II 






1888. 


Eliot 






«( 




1872 


1891. 


Neptune Fire and Marine, . 






II 






1891. 


Whately Mutual Fire, . 






Whately, 






is: 


Franklin, .... 






Boston, . 




1873 




Manufacturers' Fire and Marine 






«i 




1873 


18- 


Mill Owners' Mutual Fire, . 






it 




1873 


1891. 


Sbawmut 






it 




1875 


1880. 


Suffolk Mutual Fire, . 






«« 




1875 


1877. 


Alliance, .... 






it 




1875 


1880. 


Revere, 






<< 




1875 


1881. 


Commonwealth, . 






i< 




1875 


1882. 


Globe, 






ii 




1875 


1877. 


Mechanics' Mutual, 






ii 




1875 


1879. 


Factorv Mutual, . 






«< 




1876 


1877. 


Northampton Mutual Fire, . 






Northampton 




1876 


1879. 


Home Mutual Fire, 






Boston, . 




1876 


1878. 


Boot Manufacturers' Mutual Fir* 






Boston, . 




1876 


1878. 


Granbv Mutual Fire, . 






Granbv, 






18- 


Shelburne Mutual, 






1 Shelburne, 




183 


1891. 


Spinners' Mutual Fire, . 






; Boston. . 




1881 


1887. 


Hamden, 






; Springfield, 




1SS4 


18- 


New England Mutual Fire, . 






Worcester, 




1866 


18N7. 


Prudential Fire, . 






Boston, . 




1889 


1891. 


Electric Mutual, . 






Boston, . 




1890 


1892 



Companies of Other States and Countries. 

The following list includes all the Fire and Marine insurance companies from other 
States and Countries recorded as having operated here since the organization of the 
Department that have withdrawn from business in the Commonwealth. The list is in 
chronological order of discontinuance. 



Location. 



Admitted. 



Retired. 



Farmers' and Mechanics', . 

Keystone, 

Merchants,' 

Merchants' and Mechanics' Mutual, 

Provincial, 

Webster, 

Bridgeport, 

Firemen's, 



Philadelphia, 
Philadelphia, 
Philadelphia, 
Philadelphia, 
Toronto, 
New York, . 
Bridgeport, Ct., 
Charleston, S. C., 



1855 
1855 
1S55 
1855 
1855 
1855 
1856 
1S55 



1856. 
1856. 
18-56. 
1856. 
18-56. 
1856. 

1S57. 



INSURANCE COMMISSIONER. 



XI 



Companies of Other States and Countries — Continued. 



Location. 



Admitted. Retired. 



Marine 



Monarch Fire and Life, 

National, 

Howard Fire and Marine, 

New vvorld, . 

New Amsterdam, 

State, 

Unity, . 

City Fire. 

Goodhue Fire, 

Indemnity, . 

Union Mutual, 

Adriatic, 

Croton, . 

Columbian Marine, 

Gaspee, . 

Dirigo, . 

Harmony, 

New England Fire and 

Northwestern, 

Piscataqua, . 

Thames, 

Washington Marine, 

Morris Fire and Marine) 

Lafayette, 

Associated Firemen's, 

Baltic, . 

Empire City, 

Lenox, . 

Mutual Fire, 

Maryland Fire, 

Sun Mutual, . 

Beekman, 

Home, . 

Lumbermen's, 

Monumental, 

Republic, 

Schenectady, 

State, . 

United States Fire and 

Albany City, 

American, 

Astor, . 

Buffalo City, 

Buffalo Fire and Marine, 

Charter Oak, . 

City Fire, 

Cleveland, 

Commercial Mutual, 

Commonwealth Fire, 

Commercial Fire and Industrial, 

Enterprise, . 

Excelsior, 

Fulton, . 

Hope, . 

Lancaster, 

Lamar, . 

Lycoming, . . 

Metropolitan, 

Merchants', . 

Merchants', . 

Norwich, . . 

North American, . 

North American, . 

Occidental, . 

Putnam Fire, 



Marine 



London, Eng 
Jersey City, 
Philadelphia, 
New York, 
New York, 
New Haven, 
London, Eng 
New Haven, 
New York, 



Providence, 
Portland, Me 
New York, 
Hartford, 
Oswego, N. Y 
S. Berwick, 
Norwich, Ct 
New York, 
New York, 
Brooklyn, 
Baltimore, 
New York, 
New York, 
New York, 
Buffalo, . 
Baltimore, 
New York, 
New York, 
New Haven, 
Chicago, 
Baltimore, 
Baltimore, 
Schenectady 
Cleveland, 
Baltimore, 
Albany, 
Providence, 
New York, 
Buffalo, . 
Buffalo, . 
Hartford, 
Hartford, 
Cleveland, 
Cleveland, 
New York, 
Chicago, 
Philadelphia 
New York, 
New York, 
Providence, 
Lancaster, Pa 
Chicago, 
Muncy, Pa., 
New York, 
Hartford, 
Chicago, 
Norwich, Ct, 
New York, 
Hartford, 
San Francisco, 
Hartford, 



Me., 



1855 
1856 
1857 
1857 
1860 
1860 
1858 
1855 
1859 
1857 
1864 
1862 
1864 
1864 
1862 
1864 
1865 
1858 
1864 
1864 
1860 
1864 
1864 
1858 
1868 
1865 
1867 
1867 
1867 
1868 
1864 
1859 
1859 
1867 
1868 
1868 
1868 
1868 
1867 
1862 
1863 
1864 
1867 
1869 
1857 
1857 
1866 
1867 
1867 
1869 
1864 
1865 
1858 
1859 
1869 
1870 
1870 
1855 
1858 
1867 
1856 
1857 
1858 
1868 
1865 



1857. 
1857. 
1858. 
1859. 
1861. 
1861. 
1862. 
1865. 
1865. 
1865. 
1865. 
1866. 
1866. 
1866. 
1866. 
1866. 
1866. 
1866. 
1866. 
1866. 
1866. 
1866. 
1867. 
186*. 
1869. 
1869. 
1869. 
1869. 
1869. 
1869. 
1869. 
1870. 
1870. 
1870. 
1870. 
1870. 
1870. 
1870. 
1870. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1871. 



Xll 



REPORT OF THE 



Companies of Other States and Countries — Continued. 



Location. 



Admitted. Retired. 



Pacific 

People's, 

Security, 

Union, 

Western Fire and Marine, 

Yonkers and New York, 

Andes. . 

Corn Exchange, 

Fame, . 

Humboldt, . 

Hope, . 

International, 

Market Fire, . 

National, 

Washington, . 

Allemania, 

Alps, 

Eastern Fire and Marine, 

Merchants' Marine, 

North Missouri, . 

State of Missouri, . 

Triumph, 

Atlantic and Pacific, 

Brewers' and Malters', . 

Capital City, . 

City Fire, 

German, 

Narragansett, 

National, 

New Orleans Mutual Association 

Union Mutual, 

Union, .... 

Black River, . 

Globe 

Kansas, .... 

Newport Fire and Marine, 

Penn Fire, 

Planters', 

Clay Fire and Marine, . 

Franklin, 

New York and Yonkers, 

New Jersey Fire and Marine 

Old Dominion, 

People's, 

Sun Fire, 

Arctic, . 

Amazon, 

Armenia, 

Atlas, 

Bangor, . 

Brewers of America, 

Citizens', 

Franklin, 

Guaranty Fire, 

Oswego and Onondaga, 

Paterson Fire, 

Philadelphia, 

Richmond Fire Association, 

St. Louis, 

Sun Fire, 

Commerce Fire, 

Equitable, 

Germania, 

Granite, . 

Home, . 



San Francisco, 
San Francisco, 
New York, 
Baltimore, 
Buffalo, . 
New York, 
Cincinnati, 
New York, 
Philadelphia, 
New York, 



Bangor, . 

New York, 

Cleveland, 

Erie, 

Bangor, . 

Bangor, . 

Macon. . 

Hannibal, 

Cincinnati, 

Chicago, 

New York, 

New York, 

Providence, 

Erie, 

Providence, 

Philadelphia, 

New Orleans, 

Philadelphia, 

Bangor, . 

Watertown, N 

Chicago, 

Leavenworth, 

Providence, 

Philadelphia, 

Memphis, 

Newport, Ky 

Indianapolis, 

New York, 

Camden, 

Richmond, 

Memphis, 

Cleveland, 

New York, 

Cincinnati, 

Pittsburgh, 

Hartford, 

Bangor, . 

Milwaukee, 

Newark, 

New York, 

New York, 

Phenix, N. Y 

Paterson, N. J 

Philadelphia, 

Richmond, . 

St. Louis, 

Philadelphia, 

New York, . 

Nashville, 

Newark, 

Richmond, 

Columbus, 



1867 
1870 
1857 
1868 
1856 
1864 
1870 
1863 
1869 
1857 
1858 
1864 
1859 
1871 
1863 
1871 
1872 
1871 
1872 
1872 
1872 
1872 
1873 
1871 
1865 
1872 
1872 
1864 
1872 
1873 
1869 
1870 
1872 
1873 
1874 
1872 
1872 
1874 
1873 
1873 
1872 
1874 
1876 
1873 
1868 
1S56 
1872 
1873 
1873 
1872 
1872 
1873 
1876 
1875 
1874 
1S75 
1876 
1876 
1874 
1874 
1859 
1873 
1874 
1877 
1870 



1871. 
1871. 
1871. 
1871. 
1871. 
1871. 
1872. 
1872. 
1872. 
1872. 
IB72. 
1872. 
1872. 
1872. 
1872. 
1873. 
1873. 
1873. 
1873. 
1873. 
1873. 
1873. 
1874. 
1874. 



1875. 

18; 

18; 

18? 

18] 

18? 

187 

187 



18 
18 

18 

1877 

1877 

187 

1877. 

1877. 

1877. 

18 

18 

18 

18 

18 

18 

18 

18 

18 

IS 

18 



INSURANCE COMMISSIONER. 



Xlll 



Companies of Other States and Countries — Continued. 





Location. 


Admitted. 


Retired. 


Humboldt, 


Newark, 


1872 


1878. 


Manayunk, . 








Philadelphia, 


1876 


1878. 


Resolute, 








New York, . 


1858 


1878. 


St. Joseph Fire and Marine, 








St. Joseph, Mo., . 


1873 


1878. 


Union Marine and Fire, 








Galveston, 


1874 


1878. 


iEtna, .... 








New York, . 


1863 


1879. 


Amity, .... 








New York, . 


1874 


1879. 


Atlantic, 








Brooklyn, 


1860 


1879. 


Home 








Newark, 


1874 


1879. 


Mercantile Mutual, 








New York, . 


1858 


1879. 


Roger Williams, . 








Providence, . 


1859 


1879. 


Ridgewood, . 








Brooklyn, 


1873 


1879. 


Royal Canadian, . 








Montreal, 


1874 


1879. 


Virginia Fire and Marine, 








Richmond, . 


1874 


1879. 


Safeguard, 








New York, . 


1874 


1879. 


Caisse Generale, . 








Paris, 


1877 


1880. 


Fairfield County, . 








South Norwalk, Ct., 


1871 


1880. 


German, 








Baltimore, 


1878 


1880. 


Globe Fire, . 








New York, . 


1879 


1880. 


Manufacturers', 








Newark, 


1874 


1880. 


Pacific Mutual, 








New York, . 


1873 


1880. 


St. Nicholas, . 








New York, . 


1863 


1880. 


Standard, 








Trenton, 


1874 


1880. 


Columbia Fire, 








New York, . 


1861 


1881. 


Hoffman, 








New York, . 


1871 


1881. 


Knickerbocker Fire, 








New York, . 


1879 


1881. 


Northern, .... 








Watertown, N. Y., 


1875 


1881. 


New York City, . 








New York, . 


1876 


1881. 


New York and Boston, 






. % 


New York, . 


1876 


1881. 


Park 








New York, . 


1859 


1881. 


Peoples' 








Trenton, 


1873 


1881. 


Republic, .... 








New "York, . 


1862 


1881. 


Scottish Commercial, . 








Glasgow, 


1873 


1881. 


Toledo Fire and Marine, 








Toledo, . 


1876 


1881. 


Hamburg-Magdeburg, 








Hamburg, 


1878 


1882. 


Lamar, 








New York, . 


1857 


18«2. 


Manhattan Fire, . . 








New York, . 


1857 


1882. 


Newark City, 








Newark, 


1876 


1882. 


National, .... 








Baltimore, 


1877 


1882. 


Peoples' Fire, 








Newark, 


1872 


1882. 


Relief, 








New York, . 


1864 


1882. 


Confiance, .... 








Paris, 


1879 


1883. 


Lorillard, 








New York, . 


1860 


1883. 


Metropole, .... 








Paris, 


1879 


1883. 


Reasurances Generales, 








Paris, 


1879 


1883. 


Standard, .... 








London, 


1880 


1883. 


Tradesmens', 








New York, . 


1864 


1883. 


Trade, 








Camden, 


1876 


1883. 


Watertown, . 








Watertown, N. Y., 


1870 


1883. 


Buffalo, .... 








Buffalo, 


1874 


1884 


Commercial Fire, . 








New York, . 


1877 


1884 


Irving 








New York, . 


1858 


1884. 


North German, . 








Hamburg, 


1877 


1884. 


Great Western, 








New York, . 


1855 


1885. 


London and Provincial, 








London, 


1882 


1885. 


New Orleans, 








New Orleans, 


1882 


1885. 


Star Fire, .... 








New York, . 


1865 


1885. 


Orient Mutual, 








<{ t« 


1865 


1886. 


American Exchange, . 








it (< 


1859 


1887. 


Clinton Fire, 








«< t< 


1872 


1887. 


Mechanics' Fire, . 








Brooklyn, 


1881 


1887. 


Montauk. 








Brooklyn. 


1882 


1887. 


Sterling Fire, 








New York, . 


1877 


1887. 


Fire Insurance Association, 






London, 


1881 


1888. 


Howard, .... 






New York, . 


1856 


1888. 



XIV 



REPORT OF THE 



Companies of Other Slates and Countries — Concluded. 



Location. 



Admitted. 



Retired. 



Mercantile 

Merchants', 

Alantic Fire and Marine, 
Boatmens' Fire and Marine, 
Fidelity Fire and Marine, . 
Grand Rapids, . 
New York Equitable, . 
Anglo Nevada, 
Firemen's, .... 
Firemen's, .... 
Franklin, .... 
Guardian, .... 
German Fire, 

Hekla Fire, .... 
Long Island, .... 
Mercantile, .... 
Manufacturers' and Merchants', 
Prudential Fire Association, 
Standard, .... 
City Fire, .... 
Commercial Mutual, . 
Jefferson, .... 
Commercial, . 
New York Fire, • 
Peoples' Fire, 

Peoples', .... 
Exchange Fire, 
Empire State, 

Queen, 

Liberty, . . . 
Fire Association, . 

Denver 

Packers' and Provision Dealers', 

Marine, 

Enterprise, .... 

Citizen, 

California, .... 

Meriden 

North River, .... 
Broadway, .... 

Union, 

Citizens', .... 
Alliance, .... 



New York, 

New York, 

Providence, 

Pittsburgh, 

Cincinnati, 

Gr. Rapids, Mich 

New York, 

San Francisco, 

New York, 

Dayton, . 

Columbus, O 

New York, 

Pittsburgh, 

Madison, 

Brooklyn, 

Cleveland, 

Pittsburgh, 

New York, 



San Francisco, 
New York, 
New York, 
Pittsburgh, 
New York, 
Rochester, 
Liverpool, 
New York, 
New York, 
Denver, 
Chicago, 
St. Louis, 
Cincinnati, 
Cincinnati, 
San Francisco, 
Meriden, Ct., 
New York, 
New York. 
San Francisco, 
Pittsburgh, 
New York, 



1857 
1870 
1855 
1883 
18S7 
1887 
1887 
1886 
1876 
1874 
1886 
1865 
1882 
1888 
1881 
1874 
1884 
1889 
1859 
1867 
1877 
1880 
1884 
1881 
1881 
1884 
1871 
1888 
1866 
1887 
1887 
1890 
1887 
1885 
1874 
1885 
1885 
1872 
1888 
1889 
1880 
1K83 
1888 



1888. 

18>8. 
1889. 

1889. 

1889. 

1890. 
1890. 
1890. 

1890. 
1890. 
1890. 

1890. 
1890. 
1890. 
1891. 
1891. 

1891. 
1891. 
1891. 
1891. 

1891. 
1891. 
1891. 
1891. 
1891. 
1891. 
1891. 
1891. 

1X91. 
1891. 
1891. 
1S91. 
1891. 
1891. 



In close connection with this history the figures presented in table 9, showing the 
premium receipts and loss expenditures of all of the companies in Massachusetts since 
1873, will be found alike interesting and suggestive. 



INSURANCE COMMISSIONER. 



xv 



Fire Losses in the Commonwealth during the Year. 

In the following table is presented the number of fires occur- 
ring in each city and town of the Commonwealth, with the 
loss as reported. A "star" denotes that no fires occurred 
in 1891: — 



No. 

of Fires. 



Loss. 



Abington, 

Acton, 

Acushnet, 

Adams, 

Agawarn, . 

Afford, . 

Amesburj, 

Amherst, . 

Ando\er, . 

Arlington, 

Ashburnham, 

Ash by. 

Ash field, . 

Ashland, . 

Athol, 

Attleborough, 

Auburn, . 

Avon, 

Ayer, 

Barnstable, 

Barre, 

Becket, 

Bedford, . 

Belchertown, 

Bellingham, 

Belmont, . 

Berkley, . 

Berlin, 

Bernardston, 

Beverly, . 

Bill erica, . 

Blackstone, 

Bland ford, 

Bolton, 

Boston, . 

Bourne, . 

Boxborough, 

Boxford, . 

Boylston, . 

Bradford, 

Braintree, 

Brewster, 

Bridgewater, 

Brimfield, 



4 

6 

* 

5 

9 

* 

10 

10 

8 

5 

1 

2 

1 

4 

9 

4 

2 

4 

2 

3 

2 

1 

3 

3 

9 

2 

1 
* 

* 

28 

8 

* 

* 
* 

634 
1 

1 

* 

3 

8 
6 
1 
6 
2 



$273 
8,850 

355,385 
5,015 

49,394 

39,570 

2,388 

740 

20 

225 

150 

3,90<> 

17,717 

53,000 

104 

2,972 

2,883 

1,903 

2,242 

750 

6,175 

4,418 

262 

1,450 

3,300 



283,153 
26,097 



1,547,480 
4,800 
2,525 

1,600 
19,590 

3,325 

175 

18,800 

5,422 



Brockton, 
Brookfield, 
Brookline, 
Buck land, 
Burlington, 
Cambridge, 
Canton, . 
Carlisle, . 
Carver, 
Charlemont, 
Charlton, . 
Chatham, . 
Chelmsford, 
Chelsea, 
Cheshire, . 
Chester, . 
Chesterfield, 
Chieopee, 
C hi 1 mark, 
Clarksburg, 
Clinton, . 
Cohasset, . 
Colrain, . 
Concord, . 
Conwav, . 
Cottage City, 
Cummington, 
Dal ton, 
Dana, 
Dan vers, . 
Dartmouth, 
Dedham, . 
Deerfield, 
Dennis, 
Dighton, . 
Douglas, . 
Dover, 
Dracut, 
Dudley, . 
Dunstable, 
Duxbury, . 
E Hridofewatei 
Eastham, . 
Easthampton, 



No. 
of Fires. 



41 

3 

17 

* 

* 

67 
6 
3 

2 

* 

3 
1 

1 
39 

3 

* 

3 

13 

* 

3 
6 

3 

* 

5 
1 
2 
1 
3 
1 

17 
8 

13 
3 
5 
3 
3 
1 
7 

10 

* 

5 

1 

* 



Loss. 



$159,119 
14,108 
10,925 



333,803 

4,779 

1,650 

75 

3,100 

150 

3,500 

32,543 

2,250 

5,105 
55,482 

2,910 

18,927 

1.360 

5,140 

2,600 

200 

50 

5,800 

600 

8,013 

15,740 

21,423 

8,275 

18,675 

4,385 

155 

2,100 

28,935 

8,926 

6,725 

400 

182 



XVI 



REPORT OF THE 



Fire Losses in the Commonwealth, etc. — Continued. 





No. 


L088. 




No. 


LOS8. 




of Fires. 






of Fires. 




Eastern, . 


3 


$8,050 


Hopedale, 


3 


$4,903 


Edgartown, 


1 


717 


Ilopkinton, 


2 


8,000 


Egremont, 


1 


250 


Hubbardston, . 





10j 


Enfield, . 


1 


30 


Hudson, . 


6 


1,110 


Erving, . 


2 


200 


Hull, 


7 


19,400 


Essex, 


2 


420 


Huntington, 


* 


— 


Everett, . 


12 


9,022 


Hyde Park, 


9 


5,400 


Fairhaven, 


2 


575 


Ipswich, . 


5 


3," 


Fall River, . 


52 


107,327 


Kingston, 


3 


3,990 


Falmouth, 


* 


— 


Lakeville, 


1 




FlTCHBURG, 


18 


18,915 


Lancaster, 


6 


19,506 


Florida, . 


2 


10,000 


Lanesborough, 


1 


1,000 


Foxborough, . 


5 


672 


Lawrence, 


25 


12. 


Framingham, . 


24 


33,009 


Lee, . 


1 


1.100 


Franklin, . 


10 


2,675 


Leicester, 


1 


375 


Freetown, 


1 


1,385 


Lenox, 


2 


1.150 


Gardner, . 


6 


13,345 


Leominster, 


8 


2,285 


Gay Head, 


* 


— 


Leverett, . 


* 


- 


Georgetown, . 


7 


10,935 


Lexington, 


6 


22.295 


Gill, . 


1 


8,000 


Leyden, . 


2 


l.; 


Gloucester, . 


22 


14,466 


Lincoln, . 


* 


- 


Goshen, . 


1 


325 


Littleton, . 


* 


— 


Gosnold, . 


3 


12,650 


Longmeadow, . 




2.:> 


Grafton, . 


4 


4,505 


Lowell, . 


68 


158, 


Granby, . 


1 


1,900 


Ludlow, . 


4 


4,860 


Granville, 


2 


1,950 


Lunenburg, 




977 


Gt. Barrington, 


2 


975 


Lynn. 


67 


312.856 


Greenfield, 


1 


4,071 


Lynnfield, 


* 


- 


Greenwich, 


5 


1,255 


Malden, . 


16 


11. 


Groton, 


3 


4,310 


Manchester, 


1 




Grovel and, 


2 


250 


Mansfield, 


8 


5,955 


Hadley, . 


3 


8,155 


Marblehead, . 


6 


13. 


Halifax, . 


* 


— 


Marion, . 


* 


- 


Hamilton, 


3 


17,262 


Marlborough, . 


21 




Hampden, 


* 


— 


Marsh field, 


2 


6,11 


Hancock, . 


* 


- 


Mashpee, . 


* 


- 


Hanover, . 


* 


- 


Mattapoisett, . 


5 


7.091 


Hanson, . 


4 


8,450 


Mavnard, . 


10 


10,771 


Hardwick, 


2 


2,225 


Medfield, . 


* 


- 


Harvard, . 


* 


— 


Medford, . 


4 


3.410 


Harwich, . 


2 


750 


Medway, . 


9 


9,110 


Hatfield, . 


1 


350 


Melrose, . 


7 


5,088 


Haverhill, . 


52 


48,494 


Mendon, . 


1 


600 


Hawley, . 


* 


— 


Merrimac, 


5 


92* 


Heath, . 


1 


1,400 


Methuen, . 


1 


4,000 


Hingham, 


7 


11,340 


Middleborough, 


4 


3.7 - 


Hinsdale, . 


* 


_ 


Middlefield, . 


* 


- 


Hoi brook, 


3 


4,850 


Middleton, 


* 


- 


Holden, . 


1 


8,000 


Milford, . 


8 


11,318 


Holland, . 


* 


— 


Millburv, . 


6 


5,751 


Holliston, 


11 


10,179 


Millis, . 


5 


14.-" 


HOLYOKE, 


67 


23,168 


Milton, . 


7 


24.660 



INSURANCE COMMISSIONER. 



xvn 



Fike Losses in the Commonwealth, etc. — Continued. 





No. 


Loss. 




No. 


Loss. 




of Fires. 






of Fires. 




Monroe, . 


* 




QlJINCY, . 


21 


$11,400 


M on son, . 


3 


$2,550 


Randolph, 


7 


4,510 


Montague, 


2 


4,202 


Raynham, 


3 


22,870 


Monterey, 


2 


2,225 


Reading, . 


3 


47 


Montgomery, . 


* 


- 


Rehoboth, 


2 


2,7('0 


Mt. Washington, 


1 


100 


Revere, . 


8 


6,158 


Nahant, . 


* 


— 


Richmond, 


3 


3,325 


Nantucket, 


* 


— 


Rochester, 


4 


6,900 


Natick, 


13 


8,827 


Rockland, 


3 


4,250 


Needham, 


2 


135,000 


Rock port, 


5 


3,460 


New Ashford, . 


* 


- 


Rowe, 


1 


1,500 


New Bedford, 


38 


43,032 


Rowley, . 


2 


2,850 


New Braintree, 


* 


- 


Royal ston, 


5 


2,165 


Newbury, 


1 


3,400 


Russell, . 


3 


1,992 


Newburyport, 


14 


14,421 


Rutland, . 


3 


5,050 


New Marlboro', 


* 


— 


Salem, . 


29 


52,829 


New Salem, 


* 


- 


Salisbury, 


3 


8,010 


Newton, . 


32 


18,535 


Sandisfield, 


* 


- 


Norfolk, . 


4 


4,150 


Sandwich, 


2 


260 


North Adams, . 


33 


9,032 


Saugus, . 


2 


2,100 


Northampton, 


27 


29,679 


Savoy, 


* 


— 


North Andover, 


2 


120 


Scituate, . 


1 


1,300 


No. Attleboro', 


10 


9,741 


Seekonk, . 


1 


350 


Northborough, 


2 


875 


Sharon, . 


7 


2,250 


Northbridge, . 


4 


27,928 


Sheffield, . 


4 


5,620 


No. Brook field, 


3 


1,400 


Shelburne, 


* 


— 


North field, 


2 


9,800 


Sherborn, 


1 


700 


North Reading, 


1 


100 


Shirley, . 


3 


22,550 


Norton, . 


2 


3,610 


Shrewsbury, . 


2 


1,700 


Norwell, . 


* 


- 


Shutesbury, 


3 


715 


Norwood, 


4 


2,610 


Somerset, 


1 


210 


Oakham, . 


2 


8,119 


SOMERVILLE, . 


57 


381,711 


Orange, . 


6 


135,955 


Southampton, . 


* 


— 


Orleans, . 


1 


43 


Southborough, . 


1 


300 


Otis, 


* 


- 


Southbridge, . 


9 


5,844 


Oxford, . 


3 


18,800 


South Hadley, . 


3 


16,376 


Palmer, . 


6 


28,665 


South wick, 


1 


1,180 


Paxton, . 


3 


1,300 


Spencer, . 


14 


13,419 


Peabody, . 


16 


33,707 


Springfield, . 


62 


227,612 


Pelham, . 


* 


— 


Sterling, . 


5 


2,027 


Pembroke, 


2 


3,075 


Stock bridge, . 


1 


4,000 


Pepperell, 


4 


2,400 


Stoneham, 


n 


7,972 


Peru, 


1 


890 


Stoughton, 


7 


6,880 


Petersham, 


2 


1,635 


Stow, 


* 


- 


Phillipston, 


* 


- 


Sturbridge, 


2 


2,400 


Pittsfield, . 


23 


102,237 


Sudbury, . 


3 


4,9Dii 


Plainfield, 


* 


— 


Sunderland, 


1 


375 


Plymouth, 


* 


— 


Sutton, 


1 


70(> 


Plympton, 


1 


800 


Swampscott, . 


3 


825 


Prescott, . 


* 


— 


Svvanzey, . 


3 


2,700 


Princeton, 


2 


1,012 


Taunton, 


39 


21,7.S7 


Provincetown, . 


4 


190 


Tempi eton, 


7 


14,634 



XV111 



REPORT OF THE 



Fire Losses ix the Commonwealth, etc. — Concluded. 





. No. 


Loss. 




No. 


Loss. 




of Fires. 






of Fires. 




Tewksbury, 


1 


$ 7,000 


W. Brook field, . 


2 




Tisburv, . 


1 


176 


Westfield, 


19 


64. 


Tolland, . 


* 


— 


West ford, 


4 


1." 


Topsfield, 


1 


550 


Westhampton, . 


* 


— 


Townsend, 


2 


2,520 


Westminster, . 


3 


4,825 


Truro, 


1 


3,100 


West Newbury, 


* 


— 


Tyngsborough, 


1 


200 


Weston, . 


3 


4,680 


Tyringham, 


* 


- 


Westport, 


7 


5,640 


Upton, 


3 


510 


W. Springfield, 


3 


150 


Uxbridge, 


7 


15,905 


W.Stockbridge, 


1 


1,060 


Wakefield, 


5 


3,935 


Weymouth, 


13 


27,* 


Wales, 


1 


771 


Whately, . 


1 




Walpole, . 


9 


25,77 1 


Whitman, 


■'> 


111 


Waltham, 


21 


B,755 


Wilbraham, 


1 


1,7 


Ware, 


15 


12,106 


Williamsburg,. 


3 


1. 


Wareham, 


2 


4,20i) 


Williamstown, 


4 


4.. 


Warren, . 


4 


6,626 : 


Wilmington, . 


1 




Warwick, 


3 


3,520 


Winchendon, . 


5 




Washington, . 


* 


- 


Winchester, 


8 


1.290 


Watertown, 


13 


19,862 


Windsor, . 


1 


100 


Wayland, 


S 


5,362 


Winthrop, 


10 


13,218 


Webster, . 


3 


115 


Woburn,. 


29 


.195 


Wellesley, 


7 


55,959 


Worcester, . 


17.", 


14' 1.759 


Wellfleet, 


3 


12,630 


Worthington, . 


1 


2,4 


Wendell, . 


2 


1,075 


W re nth am, 


* 


— 


Wenham, 


1 


300 


Yarmouth, 


1 


550 


West borough, . 


8 
* 


8,4 








West Boylston, 






W . Bridgewater, 


4 


1,890 


Total, 


2,892 


$6,581,479 



Statistics of Fires. 
There was no general conflagration in Massachusetts during 
the year 1891 like the great fires in Lynn and Boston in l s ^ 
yet the fire waste was far in excess of the annual rate, amount- 
ing to (as reported) $6,581,479 against an average loss of 
$5,159,925 for fourteen years, and in number increased from 
the average of 2.092 for the same length of time to 2.$\>2. 
This is an absolute waste and destruction of property. To 
some it may appear that the $5,177,916 paid in insurance 
nearly replaced the loss ; but it did not replace or restore one 
penny of the value destroyed. The loss was absolute and 
irremediable, but was transferred in part to others who them- 
selves assumed it, thus distributing the loss among the many 
instead of leaving it to be borne by the few, and this is all 



INSURANCE COMMISSIONER. xix 

that insurance assumes to do or can do. It cannot restore the 
destroyed ; it can create nothing. 

In tabular form will be found the general facts gleaned from 
the returns of town and city officials, and only the more im- 
portant, because requiring greater emphasis, are here alluded 
to. The criminal carelessness of the builder in putting up 
defective chimneys caused 222 fires, or nearly nine per cent, 
of all. A careless handling of lamps and use of low-grade oil 
in 248 instances wrought disaster. The stupid placing of ashes 
in wooden vessels caused twenty-nine fires, throwing cigar 
stubs in wooden spittoons caused twenty-eight, and there is 
found as in the past that " rags in funnel hole," " timber built 
into chimney " and " burning off paint " still cause fires, and the 
criminality or foolishness, or both combined, are none the less 
criminal or foolish. Oily rags or waste in forty-one cases burst 
into flames spontaneously ; smoking in bed caused twelve fires ; 
and, in running over Table XVII., out of the 2,872 fires re- 
ported, there are but thirty-one enumerated that might not 
have been prevented by due care and caution, and a careful 
consideration of the "Summary of Causes" will tend to show 
that many practices innocent in themselves are best avoided. 

The returns of the municipal officers are each year an im- 
provement on the former one ; and the officials, with hardly an 
exception, do careful and praiseworthy work. Wherever a 
shortcoming occurs, it may fairly be assumed that the law is 
misunderstood. 

Section 1 of chapter 441, Acts of 1889, declares positively 
that in every case of fire, when property is destroyed, the fire 
engineers, where there is a fire department, and where there 
is no such department, the board of selectmen, shall, within 
two days of the occurrence of a fire, make an investigation as 
to whether the fire was the result of carelessness or design • 
and within two weeks shall report the facts required and found 
to the town or city clerk, w r ho shall make a record thereof. In 
some cases it has been brought to the attention of the depart- 
ment that this provision of law has not been properly recog- 
nized or obeyed, but a fair understanding of the law and its 
design will of itself in most cases work a remedy. 

Section 2 of the same chapter provides for an "inquest'' 
when the examination required in section 1 furnishes reason- 



xx REPORT OF THE 

able grounds for believing that the fire was caused by design. 
As 303 fires were reported "supposed incendiary" and l< 
than forty inquests were reported as being held, it i> a fair 
presumption that in the great majority of the fires thus re- 
ported, inquests as required were not held. 

It is not credible that more than 300 fires in Massachusetts 
in 1891 were the result of criminal or malicious design, and it 
should be borne in mind by officers making the investigation 
or return, that the term " incendiary" in this connection should 
be construed as meaning the " malicious" setting of a fire, and 
this covers the firing of a building with intent to get the insur- 
ance thereon. Only in cases where the malicious and dishonest 
intent is reasonably certain, should a fire be classed as " incen- 
diary." Sometimes it occurs that a fire is labeled " incendiary " 
when it was caused by children playing with fire or match' 
which should be the cause assigned in the return. Eliminate 
from fires classed as incendiary such as are covered by the 
above and kindred causes, and the 303 reported would be very 
largely reduced; and this, when it may be done in fairness, 
should be done in the interests of truth and the fair fame of 
our Commonwealth. The number of fires reported as " cause 
unknown " were 656, and this number would also be largely 
reduced if the investigations required by law were made in 
every case. It is not intended that the above should be taken 
in the sense of faultfinding with, or a criticism upon, the a 
of the several officials upon whom the State has laid the respon- 
sibility of securing the facts and returning them to this depart- 
ment. They are entitled to hearty commendation for the 
manner in which they have performed their duties, and if the 
foregoing is accepted as a suggestion to govern the future, 
the end sought will have been attained. 

Fire Waste. 

President Skelton of the National Board of Fire Under- 
writers, at its meeting in November last, said : " The aggregate 
fire loss for 1890 was over S115,000,000 ; I think, for the year 
1891, it is fair to estimate that it will exceed $125,000,0' 
and possibly may reach $150,000,000. This loss by fire is an 
extinguishment, a blotting out of existence of property. It is 
not like so many losses which are mere interchanges, but it is 



INSURANCE COMMISSIONER. xxi 

an absolute wiping out of so much property that represents 
so much money, and it is difficult to comprehend its effect upon 
the whole country if it be a recurring loss repeated from year 
to year." 

During the fourteen years that the law for the collection of 
fire statistics has been in effect, there has been reported as 
actual losses in this Commonwealth over $70,000,000, or an 
average of $5,000,000 a year, all of which and more is a direct 
tax upon the pockets of the citizens of this State in the shape 
of insurance premiums and otherwise. 

It is very easy to say that the main causes of this enormous 
annual waste and tax are faulty construction and lack of care 
in protecting property. These are both needless and inexcus- 
able, and it would seem essential to get at and remove the 
causes of this indifference. It is entirely true that insurance has 
done, and is doing, more than anything else to promote care- 
lessness in the building and handling of property, for the 
knowledge that the property is insured, and will be gratu- 
itously replaced by the insurance companies in case of loss, 
creates and promotes this feeling of indifference in the indi- 
vidual and the community. If there was no such thing as 
insurance, there* is no doubt that fires would be of vastly rarer 
occurrence, and then only from criminal and unpreventable 
causes ; but insurance there 77111st be, for without it credit 
could not exist and business would be paralyzed or degenerate 
into barter. The insurance office is as necessary in human 
affairs to-day as the market house, clothing house, or bank, and 
it is as idle to discuss how to get along without the one as 
without the others. But with it the great question is, how best 
to check this enormous and shameful drain from carelessness, 
either criminal or idiotic. Insurance is intended to replace loss 
to the owner through misfortune, and not if it comes through 
crime, — and the carelessness that exposes one's own and 
others' property to loss is nothing but a crime. 

If insurance companies should be forbidden by law to pay 
the insured for any loss or damage he may have sustained by 
fire until under proper official investigation it is affirmatively 
shown that such loss did not result from carelessness, or could 
not have been prevented by such precaution as a prudent owner 
would have used if the property had not been insured, but that 



xxii REPORT OF THE 

the insurance money, in such a case, should be paid into the 
treasury for the use of the State, we should soon cease to have 
fires assigned to causes like "curtains, goods, or woodwork, 
near gas or candle ; " " explosion of kerosene lamps or stoves ; " 
" ashes in wooden vessels ;" *< spontaneous combustion of oil v 
waste," and scores of other causes just as shameful and just as 
easily avoided. In addition, hold the builder criminally re- 
sponsible for fires caused by " defective chimneys," or "timber 
built into chimney," and these causes would rarely be heard of. 
However, the times are probably not ripe for such heroic 
remedy, but the importance of the subject to the welfare and 
prosperity of the Commonwealth demands that the rno-t 
grievous evil of the present day should be met by drastic 
measures for remedy and defence. In this connection it may 
not be out of place to again quote from Commissioner Tarbox 
in his report for 1886. Speaking of indemnity for fire los.v 
he wrote : "In other countries the laws have gone j- the extent 
of limiting insurance to loss or damage from fire originating 
outside the insured premises, leaving the owner responsible 
and remediless for injuries done by fire confined to premises 
under his control. Such extreme legislation would not find 
favor with us. It asks an impossible diligence*, and leaves the 
assured defenceless against the misfortune of unavoidable 
perils, with which the genius of our time would not be conteut ; 
but it is both reasonable in itself, and demanded by justice, 
that a person shall not suffer his property to be destroyed bv 
his fault and then be indemnified for the injury. . . . The law 
offends wise public policy when it encourages improvidence by 
enabling it to escape the just penalty of its error. The legal 
obligation, with penalty of loss of indemnity for neglect, would 
recreate in the owner of property the self-interest to care for 
its safety which full insurance destroys." 

Securing Statistics. 

The -work of collecting the statistics of fire losses and causes 
in any systematic and comprehensive way, was first undertaken 
by Insurance Commissioner Rhodes in 1876. 

This attempt, through the courtesy of the city and town 
officials, proved a gratifying success, and demonstrated the 
feasibility of collecting at small expense complete and reliable 



INSURANCE COMMISSIONER. xxiii 

returns, which when classified and compiled into totals and 
tables would be an accurate and valuable guide to preventive 
measures. In order to secure prompt and uniform returns, the 
Legislature of 1877 placed upon certain named city and town 
officers the duty of collecting and reporting the facts annually 
to the insurance department. From these returns have been 
compiled the exhibits published from year to year in Part I. 
of the insurance report. 

The object of these exhibits is to show to the Legislature and 
the people of the Commonwealth the magnitude of the yearly 
loss and the taxation that must be endured to replace or rather 
to distribute it, and especially to point out and demonstrate 
that fully nine-tenths of the waste is preventable, and therefore 
a crime. That the value of these statistics is recognized is 
attested by the fact that similar movements are now being 
adopted and applied in several of the other States, and the 
National Board of Fire Underwriters are striving to make its 
application general. The old Commonwealth is not backward 
or niggardly in applying even stern remedies when the prop- 
erty or interests of her people are endangered. She is ready 
and anxious to spend a great many thousands of dollars yearly 
in exterminating or preventing the spread of cattle diseases, 
the gypsy moth and the like, and it would seem a wise meas- 
ure to attempt energetically to circumscribe the ravages of the 
fire plague, an evil certainly of not less importance. 

Since 1876 the insurance department has had charge of 
collecting the statistics required. From year to year as the 
necessity became apparent the scope of the work has been 
enlarged, the forms of the returns and the means to be used in 
ascertaining the facts have been changed and improved, and it 
has been brought to such condition that it is believed as much 
is being accomplished as is practical through the machinery of 
the insurance department. The information is obtained and 
presented in tangible form, but this is not of itself a remedy. 
That must be sought elsewhere and can only come through 
legislation. 

To secure the greatest good to its people the Commonwealth 
should now take another step in advance and lift the subject to 
the level its magnitude demands. The insurance department 
does not shun the duty, and the suggestions made are not for 



XXIV 



REPORT OF THE 



the purpose of being relieved from any labor, but it recognizes 
the fact that it can go no farther in this direction without en- 
larged powers. There should be enacted stringent building 
regulations and rigid rules for the investigation of fires ; and 
to some officer should be given power to secure their enforce- 
ment throughout the Commonwealth. If some such measure 
as indicated should meet with the approbation of the law- 
making power, the officer assigned to the duty and responsi- 
bility should give it undivided attention, and by devoting 
earnest and intelligent endeavor to this one object, there must 
result an improvement in our fire history, and a saving to the 
general wealth to our people, before which many things of 
greater present pretension would sink to comparative insig- 
nificance. 

That this question is urgent, and that the importance of 
prompt remedial measures is becoming recognized and de- 
manded by all who have given the subject study and attention, 
is evidenced by the following letter of the National Board of 
Fire Underwriters to the President of the United States, bear- 
ing date Feb. 10, 1892: — 



Sir : — We beg leave to invite the attention of your Excellency to 
the great waste of values by fire in the United States, which has now 
reached an enormous sum annually, and appears to be increasing 
year by year, as will be manifest from the following tabulation, com- 
piled from the most reliable sources available : — 



Year. 

1880, 
1881, 
1882, 
1883, 
1884, 
1885, 
1886, 
1887, 
1888, 
1889, 
1890, 



Estimated Destruction 
of Values. 

74 millions. 

81 millions. 

84 millions. 
100 millions. 
110 millions. 
102 millions. 
104 millions. 
119 millions. 
110 millions. 
123 millions. 
109 millions. 



If there be errors in these figures, it may safely be assumed to be 
upon the side of an under-estimate, rather than otherwise, for there 
are many fires of which no report is made, and although these for 



INSURANCE COMMISSIONER. xxv 

the most part represent small losses, yet in the aggregate they would, 
without question, increase materially the figures quoted. 

The losses for 1891 are not yet compiled. Present estimates, 
however, indicate that the destruction of property by fire in that year 
will far exceed any other in the history of the country, excepting 
only the years in which occurred the Chicago and Boston fires. It is 
likely that when the record for 1891 is complete, a loss of 140 
millions will be shown. If so, the average loss per annum, for the 
five years from 1887 to 1891, inclusive, has been 120 millions, or 
600 millions for the quinquennial period just named, i. e., nearly 
two and a half times as much as was destroyed in the Chicago and 
Boston fires combined. Yet this vast waste has scarcely attracted 
the attention of the public or our legislators. The destruction of a 
few millions in a single city calls forth the sympathy of the world, 
but the American people take no adequate steps to guard against the 
ravages of this insidious enemy working constantly in their midst. 

We need not direct attention to the fact that this is an absolute loss 
to the country. That the losers are indemnified to a large extent, by 
means of insurance, does not lessen the gravity of the question as to 
the country at large, because the insurance companies are mere dis- 
tributors, collecting premiums from the many to reimburse the im- 
mediate sufferers, so that whether the property be insured or not, the 
people — that is, the nation — suffer the debilitating effect of this 
constant drain upon the resources of the republic. The seriousness 
of such a tax will be readily apprehended, if it has not already been 
the subject of your consideration. The question of its reduction is 
one which has long had earnest thought and attention on the part of 
this Board. We have, during the past fifteen years, offered a million 
of dollars in rewards for the conviction of incendiaries ; we have for 
twenty-five years set forth to the public the importance of the adop- 
tion of better methods of building construction ; we have established 
restrictions relative to the many hazards of a special character which 
enter into modern life ; and we have endeavored to encourage every- 
where the introduction of the most approved facilities for the extin- 
guishment of fires. It may be said that all this has been done in the 
interest of the business we represent. While this is true, it has been 
the endeavor of underwriters, as patriotic citizens, to look beyond 
that to the interest of the country. What will be the effect upon its 
prosperity, if an annual loss of this magnitude continues? Under- 
writers can protect themselves by demanding adequate rates to cover 
their losses. The country has no such protection ; it suffers the loss 
absolutely and irretrievably. 

At a recent meeting of this Board the opinion was expressed that 
the gravity of the situation is such that the attention of Congress 



xxvi REPORT OF THE 

should be called to it ; and having this in view, a suggestion was 
made that a communication be addressed to the President of the 
United States on the subject. 

At a meeting held in New York City on the 8th ult., of representa- 
tives of the American Institute of Architects, the National Association 
of Fire Engineers, the National Association of Builders, the National 
Association of Building Inspectors and the National Board of Fire 
Underwriters, the same suggestion was made, and a resolution was 
adopted providing that a communication be addressed you jointly by 
those organizations. It is probable that such will reach you in due 
course and serve to emphasize the present communication. 

We are not unmindful of the thought which may occur to yourself 
or to Congress, that this is a matter for State rather than for national 
action. Underwriters have for years endeavored to secure such 
action, both by States and municipalities, as would effect a diminution 
of the evil. They now feel, however, that a question of such vital 
importance to the country should receive natiojial consideration, and 
they venture, therefore, to hope that your Excellency may decide it 
to be proper to invite the attention of Congress to the subject. 
Whether acted upon or not, a mention of it by the President would 
serve to bring it to the attention of the country, and give it a 
greater weight with the public than we could otherwise hope to see 
exercised. 

It is with regret to be added that, for the most part, the States, 
as such, have not acted upon the subject. In Massachusetts there is 
a statute compelling investigations by local authorities into the causes 
of all fires. A similar statute is in force in New Hampshire. In 
particular instances municipalities have done much by the appoint- 
ment of fire marshals and building inspectors and the adoption of 
special ordinances relative to especially dangerous hazards. While 
we recognize the value of whatever has been done in these respects, 
the fact remains that the States generally have failed to give attention 
to the great loss by fire constantly increasing within their borders, or 
to adopt effective legislative measures to check or lessen the same. 

It is earnestly desired to awaken public interest in the subject, and 
hence the suggestion which we have ventured to make. Should your 
Excellency concur in that suggestion, and by special message or 
otherwise communicate with Congress touching the matter, we should 
hope that it would at least result in the members of that body direct- 
ing the attention of their respective State governments to the subject, 
with a view to speedy action. 

Our suggestions as to the measures to be recommended would be : — 

1 . That investigations as to the causes of all fires be required by 
law, with provisions for the prosecution of fraudulent cases. 



INSURANCE COMMISSIONER. xxvii 

2. Better building laws — poor construction being at present a 
prolific source of fire, leading to great destruction of both life and 
property. 

3. Adequate regulations as to special hazards, such as electricity, 
oils, explosives, and dangerous compounds. 

4. Greater care on the part of the people regarding the fire danger 
in all of its bearings. 

Finances of the Department. 

The income of the department for the year 1891 was 
$56,186.32, an increase of $5,272.56 over the previous year, 
and by more than the amount of the increase the largest in 
the history of the department. This revenue was derived 
$21,133.32 from valuation fees, and $35,053 from license fees, 
certificates, statements and copies. The total expenditure for 
all purposes was $26,256.17, leaving as surplus accruing to the 
Commonwealth $29,930.15, this being nearly $4,000 in excess 
of the previous year (totals in table 19). 

Respectfully submitted, 

GEORGE S. MERRILL, 

Insurance Commissioner. 



COMPARATIVE TABLES. 



Comparative Table A. — Massachusetts Mutual Fire Insurance 

Companies. 





1890.* 


1891,f 


Increase or 
Decrease in 1891. 


Assets (including contingent), 


$28,697,270 


$29,230,906 


$533,636 


Liabilities, .... 


4,164,522 


4,329,263 


164,741 


Cash surplus, 


5,443,012 


5,381,333 


—61,679 


Income, 


4,323,618 


4,492,916 


169,298 


Expenditures, 


3,946,109 


4,161,674 


215,565 


Risks written, 


390,354,897 


418,767,890 


28,412,993 


Net premiums received, 


3,855,987 


4,010,575 


154,588 


Risks outstanding, . 


675,868,174 


703,089,799 


27,221,625 


Losses paid, .... 


951,078 


1,381,972 


430,894 


Losses incurred, 


942,638 


1,447,916 


505,278 


Assessments collected, . 


12,657 


8,553 


—4,104 


Profits returned, . 


2,323,186 


2,078,378 


—244,808 


Expenses, .... 


643,168 


682,203 


39,035 



* Fifty-one companies. 



t Fifty companies. 



XXX11 



REPORT OF THE 



Comparative Table B. — Massachusetts Mutual Marine Insurance 

Companies. 





1890.» 


1891.* 


Increase or 
Decrease in 1891. 


Assets, 


$806,232 


$730,659 


—176,578 


Liabilities, 


235,407 


214,293 


—21,114 


Surplus, 


570,825 


516,366 


—54,459 


Income, 


583,140 


399,349 


—183,791 


Expenditures, 


560,230 


477,653 


—82,577 


Risks written, 


40,934,716 


31,522,519 


—9,412,197 


Net premiums received, 


527,984 


37C 


— 151,110 


Losses paid, .... 


433,265 


397,645 


—35,620 


Losses incurred, 


462,835 


283,623 


—179,212 


Risks outstanding, 


7,734,119 


5,934,948 


—1,799,171 


Expenses, .... 


92,291 


75,258 


—17,033 


Scrip dividends declared, 


- 


- 


- 


Scrip redeemed, 


- 


- 


- 


Scrip outstanding, . 


663,032 


710,812 


47,780 



* Two companies. 



INSURANCE COMMISSIONER. 



XXX111 



Comparative Table C. — Massachusetts 

Companies. 



Joint-Stock Insurance 





1890.* 


1891.f 


Increase or 
Decrease in 1891. 


Cash capital, .... 


$5,807,200 


85,007,200 


—$800,000 


Assets, 


12,144,984 


10,978,629 


—1,166,355 


Liabilities, .... 


3,655,743 


3,578,217 


—77,526 


Surplus, 


8,489,241 


7,400,412 


—1,088,829 


Income, 


5,018,848 


4,660,086 


—358,762 


Expenditures, 


4,621,361 


4,446,243 


— 175,118 


Fire risks written, . 


338,258,438 


301,712,389 


— 36,546,049 


Fire premiums received (net), 


3,318,288 


2,953,981 


—364,307 


Marine risks written, 


87,879,682 


78,926,710 


—8,952,972 


Marine premiums received 
(net), 


1,219,326 


1,221,546 


2,220 


Fire losses paid, 


1,918,062 


1,930,034 


11,972 


Marine losses paid, 


865,829 


821,646 


—44,183 


Fire losses incurred, 


1,840,267 


2,085,679 


245,412 


Marine losses incurred, . 


1,010,830 


948,949 


—61,881 


Fire risks outstanding, . 


411,095,906 


372,173,024 


—38,922,882 


Marine risks outstanding, 


14,646,242 


13,863,463 


—782,779 


Expenses, .... 


1,444,950 


1,312,328 


—132,622 


Cash dividends declared, 


392,716 


382,216 


— 10,500 



* Fifteen companies. 



t Eleven companies. 



XXXIV 



KEPORT OF THE 



Comparative Table D. — Fire and Marine Insurance Companies 

of Other States. 



1890.* 



1891. t 



Increase or 
Decrease in 1891. 



Cash capital, 

Assets, . 

Liabilities, 

Surplus, . 

Income, . 

Expenditures, 

t\re risks written, 

Fire premiums received (net) 

Marine risks written, 

Marine premiums received 
(net), .... 

Fire losses paid, . 

Marine losses paid, 

Fire losses incurred, 

Marine losses incurred, . 

Fire risks outstanding, . 

Marine risks outstanding, 

Expenses, 

Cash dividends declared, 



$50,023,514 

171,842,356 

70,887,127 

100,955,229 

80,806,898 

72,886,574 

7,781,667,228 

65,390,130 

1,319,582,172 

7,849,958 

35,532,937 

4,342,671 

35,647,129 

4,397,059 

9,820,601,964 

177,333,838 

25,639,467 

5,447,453 



$44,660,244 
168,559,806 
76,511,788 
92,048,018 
82,597,862 
79,401,364 

8,481,026,192 
67,385,427 

1,558,931,604- 

7,676,486 

41,370,557 

4,403,615 

47,392,913 

5,033,549 

10,191,115,835 

185,843,395 

26,444,056 

5,308,129 



—^5,363,270 
—3,282,550 

5,624,661 
—8,907,211 

1,790,964 

6,514,790 
699,358,964 

1,995,297 
239,349,432 

—173,472 

5,837,620 

60,944 

11,745,784 

636,490 

370,513,871 

8,509,557 

804,589 

— 139,324 



* One hundred and four companies. 



f Eighty-five companies. 



INSURANCE COMMISSIONER. 



XXXV 



Comparative Table E. — United States Branches of Foreign 

Companies. 





1890.* 


1891.f 


Increase in 1891. 


Deposit capital, 


$8,252,450 


$9,046,785 


$794,335 


Assets in United States, 


45,376,274 


50,166,899 


4,790,625 


Liabilities in United States, 


27,285,537 


32,001,072 


4,715,535 


Surplus, 


18,090,737 


18,165,827 


75,090 


Income, 


35,866,168 


39,801,143 


3,934,975 


Expenditures, 


29,592,484 


35,350,325 


6,757,841 


Fire risks written, . 


4,324,928,724 


4,966,572,581 


641,643,857 


Fire premiums received (net), 


31,846,789 


34,951,456 


3,104,667 


Marine risks written, . 


682,783,223 


892,611,956 


209,828,733 


Marine premiums received 
(net), 


2,307,530 


3,317,682 


1,010,152 


Fire losses paid, . 


17,272,770 


22,059,949 


4,787,179 


Marine losses paid, 


1,254,930 


1,395,128 


140,198 


Fire losses incurred, 


17,572,800 


23,705,074 


6,132,274 


Marine losses incurred, . 


1,268,675 


1,539,699 


271,024 


Fire risks outstanding, . 


4,575,839,038 


5,069,681,909 


493,842,871 


Marine risks outstanding, 


26,669,267 


47,586,903 


20,917,636 


Expenses, .... 


11,064,789 


12,895,253 


1,830,464 



* Twenty-nine companies. 



f Thirty-two companies. 



XXXVI 



REPORT OF THE 



Comparative Table F. — Massachusetts Business.* 



1890. 



1891. 



Increase or 
Decrease ir 



Fire risks written, . 


$871,117,341 


f 863,343,' I 


—$7,77 


Fire premiums received, 


9,039,865 


8,719,803 


—320. 


Fire losses paid, 


4,969,964 


4,689.: 


—280,385 


Fire losses incurred, 


3,798,502 


5,104,694 


1,306,192 


Marine risks written, 


269,076,135 


279,287,764 


10,211,629 


Marine premiums received, . 


2,481,488 


2,392,858 


—88,630 


Marine losses paid, 


1,565,179 


1,463,278 


— 101,901 


Marine losses incurred, . 


1,556,077 


1,440,297 


—11C. 



* For details of this business 6ee Table XIII. 



Comparative Ratios of Table F. 





1890. 


Increase or 
1891. Decrease 
in 189L 


Fire premiums received to risks written, . 


1.04 


1.01 


—2.88 


Fire losses incurred to risks written, 


.44 


.59 


-J-34.09 


Fire losses incurred to premiums received, 


42.02 


58.54 


-4-39.31 


Marine premiums received to risks written, 


.92 


.85 


—7.61 


Marine losses incurred to risks written, . 


.58 


.52 


—10.35 


Marine losses incurred to premiums received, . 


62.73 


60.19 


—4.05 



INSURANCE COMMISSIONER. 



XXXVll 



Aggregates of all the Companies. 





1890. 


1891. 


Increase or 
Decrease in 1891. 


Cash capital, 


$64,083,164 


$58,714,229 


—$5,368,935 


Assets (including contingent 








of mutual companies), 


258,863,116 


259,666,899 


803,783 


Liabilities, .... 


106,228,336 


116,634,633 


10,406,297 


Surplus, .... 


133,549,044 


123,511,956 


—10,037,088 


Income, .... 


126,598,672 


131,951,356 


5,352,684 


* Expenditures, 


111,606,758 


124,837,259 


13,230,501 


Fire risks written, 


12,835,209,287 


14,168,079,052 


1,332,869,765 


Fire premiums received (net), 


104,411,139 


109,301,439 


4,890,300 


Marine risks written, . 


2,131,179,793 


2,561,992,789 


430,812,996 


Marine premiums received 








(net), .... 


11,904,798 


12,592,588 


687,790 


Fire losses paid, . 


55,674,847 


66,742,512 


11,067,665 


Marine losses paid, 


6,896,695 


7,018,034 


121,339 


Fire losses incurred, . 


56,002,834 


74,631,582 


18,628,748 


Marine losses incurred, 


7,139,399 


7,805,820 


666,421 


Fire risks outstanding, 


15,483,405,082 


16,336,060,567 


852,655,485 


Marine risks outstanding, . 


226,383,466 


253,228,709 


26,845,243 


Expenses, .... 


38,884,765" 


41,409,098 


2,524,333 


Cash dividends declared, 


5,840,169 


5,690,345 


—149,824 



xxxviii KEPORT OF THE INSURANCE COMM'R. 



Table G. — Fire Risks Written, Premiums Received and Losses 

Incurred in Massachusetts. 





Fire Risks Written. 


Premiums 
Received. 


Losses Incurred. 


Katk 


) OF — 


Year. 


l'remlums 

Recelred to 

Risks Written. 


Losses 

Incurred to 

Risks Written. 


1873, . 


$858,393,129 


$10,358,024 


$5,184,364 


1.21 


.Go 


1874, . 


655,056,069 


8,253,755 


3,676,063 


1.26 


.56 


1875, . 


597,478,409 


7,232,486 


3,22t,943 


1.21 


.54 


1876, . 


528,211,058 


5,974,268 


2,738,180 


1.13 


.52 


1877, . 


585,928,271 


5,998,124 


2,572,185 


1.02 


.44 


1878, . 


558,019,711 


5,506,392 


2,438,121 


.99 


.44 


1879, . 


520,814,369 


5,026,482 


2/00,451 


.96 


.48 


1880, . 


609,132,542 


5,479,752 


3,055,273 


.90 


.50 


1881, . 


642,542,633 


5,845,354 


2,884,047 


.91 


.45 


1882, . 


686,030,272 


6,244,053 


4,915,949 


.91 


.72 


1883, . 


710,197,514 


6,896,367 


3,763,949 


.97 


.53 


1884, . 


655,613,160 


7,067,149 


3,865,956 


1.08 


.59 


1885, . 


661,380,951 


7,402,583 


3,132,235 


1.12 


.47 


1886, . 


694,473,662 


7,838,425 


3,369,294 


1.13 


.49 


1887, . 


765,304,046 


8,371,714 


3,136,774 


1.09 


.41 


1888, . 


832,038,483 


8,702,006 


4,444,322 


1.05 


.53 


1889, . 


825,962,689 


8,601,963 


9,284,464 


1.04 


1.12 


1890, . 


871,117,341 


9,039,865 


3,798,502 


1.04 


.44 


1891, . 


863,343,089 


8,719,803 


5,104,694 


1.01 


.59 


Totals, 


113,121,037,398 


§138,558,565 


$73,086,766 


1.06 


.56 



STATISTICAL TABLES. 



xl 



REPORT OF THE 



CO 

^> 

8 

I 
a 

8 

s 

05 



8 

to 



CO 

3 

8 
cc 

GC 



M 
< 



u 


>* 




-* «* CO 


O o i-i eo 


Cft CO CO CO "+ 

r t- © 


eo <-> *-> © 


— . -- 

i— © c: 






O 


o 




i— •«* i-H 


ci cr. i- i- 


-f ot 


1- C 1 l - l- — 


© Cl 


CO 


— 


o 


""*. "+ ^ 


<N CO_i— _o» 


i— r. CO 10 © 


- © — 


• -© — ©■- 








Cft 
















_© 


B 


00 


co" ' ' ©°"eo" 


or ' -t oc 1 


© O) CC CC C 1 


co © © eo 


— C 1 - -» © 




1- © 




CEj 




CO cn «« 


tO <N CO ' 


CJi "? lO CO 


C 1 l - r 


i- ■--. 


-r Cl ^- «0 


J — 


J- 


□ 


4» 


r-i i-l 


rl 


1-1 o 


Cl n 


n CO i-i 




3 


B 


















QQ 


P 






































- 


Fl 




O t- CI 


CM o> CI 00 


in © -t © eo 


© cc © oo" 


3 cT-T 


— CC 1 - 




O 


a 




00 CO CO 


m -t <— '-C 


i— -r ci -c — 


C 1 -c uO 00 


-T © .' 


: ci c 


-r et 


09 







•0 o o 


m ici-<d 


i— © OC •* CO 


■C ~r -Z. t~ 


— cc i-c 




— — 


B 


© 








-tCn m * * 








3 


00 


** © •"-> 


lO CO CI 


r— ~ i— 


i-i c 


OCDi-i 








'3 
cfi 


f-H 


CO CN "0 


U0 CM «^ ' 


C3 © 1 lAOO 


Cl 1- cc 


CC CN 


-r ci 




— 

la 


c 


m 


n rH 


rl 1 


i— S 


CN i-i 


i— cc H 




3 


i/ 


















QQ 

























+— 






















•** ■»* OO 


o « •* w o 


oo ^- ^- oo r- 


c. © — /" r. 


© ^— i — 


K r 










ao KS © 


CC -f >— CI cc 


-f cc -.- 


><7 .- C 


0<SH 


■ i- eo 






X 


V 


CO © 10 


:i c c :: :i 


I— Cl --C OC oo 


tr-: 










X 


p 


"It » » 
















c 


its ' ' vo 10 


c~- i-i -e i- co 


^- CI iC ■— o 


^- ^ c 


! i - :C 


— i- 







— 




CO «o 


rf Oi CO 


CC 1- Cl i— oo 


Cl c 


i— CO i—i 00 t- 


© Cl i- cc 






3 


s 

03 

J 


• 




1—1 1-H 


— Cl 




Cl Cl 




i 






^ oo co ^* © 

CO O0 — iC o 


<N o eo d i~ 


CC — 1- oo © 


r. ~ * 7- oc ' - 


-f CO CO Cl cc 


i— c: i - 








* % 


-z i- - — s 


i - -r - 


t— 10 ■— 


u-. C Cl c -r 


as i- 




T. 




uC 01 t- I— CO 


t- CO •- - '.O 


C> Cl t- CC — 


© © © t— 






i- t— 




X 




















Q 


*» 


C 00 <c © 


*» cc i - : i 


ci cc c: i- s 


Cl Z 


i-C I- — c — 




Cl — 




V 


O CN O 


O — CO 


Cl CC Cl cc c~ 

i— CO <N 


c-i — 


CN CS t- C 1 © 


T 10 — 






a 


00 

to 


i- 1 rH 

4» 


i-h <N eo 


CO 00 


CC Cl 


|H 


-r 




«a 




co eo i-h Tf *3 


o rt t^t *+ t— 


-r — cc i— • z 


— © ■ c cc ~ 


go 1 — - c i - 


i CC © 


V 1- 




R 
09 




TflSF-«r> 


-r :c s a-. © 


■ -. ■-: :: a t- 


Z Z- l~ 


c i © r. © -r 








GO 


>.C "I -f 1- r- 


:t cr. cc — -c 


CC •»)■ ei CO Cl 


CN OO — ifi © 


ci eo © ci — 


- z — 






Ei 


•9 


CO ■"+ n O CO 


t— cc c CO «« 


Cl — .0 Cl cc 




i— — - — 


■ ' C -T 


— 




g 


4) 


CN CN CN CO 


CS C55 '-C CI i-i 


uC -T i-C ' 1 T 


: t— © 














i- CO 


CC i-i CO 


: i CO 


i-i c: cc 


n i— CO 


1-1 


CN 




a 




«1 


«» 
















O 




















B 
























tDMCC O) W 


C. CO 1 f -* 


— 0) <B C". — 


eft ~" © cc ^ m 


© i— t- -r i - 




•- t- 


ej 


CO 




© re ift i - ci 


W oa CO ci r. 


cc .- r. ci cr. 


r. © — ci © 


© © - 




CC i- 








SeSco^cJ, 


'. 1 Ci ~. ~ CI 


'■'■ r. — 




z l~ \- 






— 


a 

c, 
p 


















o 




**<oeet~?r~ 


OCOtl r 


r — i- 


1 — > C O CO 10 


VI- — 


— I- Cl I- — 


i- i- 


3 
O 


© 

00 


ft r :: 9 


i—i 'C ei CI CO 


1— i_ 00 iC OC 


Cl C" -r V l~ 


CC^l i - 

— *z r 


- > -T — 




CO CO KC 


O "* cr 


cc cc l 9, e i»^ l 


1 - -c — CC — 


/ r f 




















S 


JM 




00 i-l CO 


i- :: •— co 


eo rS-f i-^cT 


Cl i— — 


CO T* i— C Cl 


r — • 


t- 




# 


i-i CN 


(N <* 


«N CO 


01 Cl 


CN CO 


»-i 


<J 


5 




















— 




O »0 © SO © 


CS 'C O CC o 


C - Cl CC © © 


© — •/- u- © 


-r ci © cc ci 


— © — © c 


© © 




c. 




t— t— cc ■**> CO 


9s o ab t- en 


cn — co © ~r 


-/- c 


Cl © 31 


cc ci r 


© Cl 




— * 


,H 


cm © co co cm 


O CR 0C CC CM 


cc — i- •— •— 


C — l- >— CC 


X 


i— i-C © -c Cl 


Cl © 


02 


el 
= 
















X 


CO 


co o co y -f 


— -~. '-C -I- l~ 


io o eo cm © 


3 «0 © I- OB 


Cl CC — © I- 


x eo c 


Cl -c 


00 


CN 00 XI- 


i— cc •- C t- 


" - c — 


© c — — t- 


-. ci — 






| 




© ■>* 10 


CO i-O -* CO 


C". i— Cl r- -C 


C CC '/ 


: - — 


© © -r t- cn 


© 


s 


















c 


CO P* 


i-c CN i* 


CO CO »~ 


■-c -. 


CN :: i- 




Cl 




z 




4» 
















:- 




















a 




■* 10 CO — "* 


tNiCO-O 


ci ap«o 


o>*~e 


-cii>*i- 


r © t- 


- © 






C t-CS-t M 


CI f0C-f 


c. c. ci cc r- 


CC © © .-C © 


(5 — <oi-- 


© i- - 


oe — 


I 


p 




CM CO CM <* © 


00 OO OC i— — 


■c t~ © •— ■* 


© CO t— 1- ■>- 


i— 1- Cl Cl CO 


CC Cl t l- x 


© >-o 


■>* — t- O -i> 


cc >e so ~. — 


i— iC t— i— 00 


© ca cc -t >-- 


eo ci cc © cc 


© Cl c © — 





X 


c* 


CO 

OO 


cm oo — re 


-r N ■» c oo 


t c: -i"- o 


i r z: X -r 


— cc — 


CC I- © — © 






CO lO I— 


t~ •>* i-O 1- 


i— -T cc cc cc 


© CC X l- © 


-r t- 'C 


© — -c © Cl 




«> 


















'^ 




CO l-c 


i-i CO rj- 


nt-i.: 0) 




i* r-i Mt- 


1~ t~ 


eo 




£ 




<& 














1 , 


— 


. 
as 


















c 


cu 


1- t- • 


iCS C6 -* CC CO 


r~ co © — . t— 


© cc ci © -- 


© ci cc co i— 


CC © Cl I f 






ice — t- i- — r cc 


CC CI cc — — 


CT i.C ~. Cl — 


Ci ci ct ci -r 


© c: ci i 1 


Ol Cl .c Cl © 


Cl Cl 


~ 


°x 

3 


O0 OC 00 00 00 


CC OC 3C OC OO 


oc oc cc a: x 


CC X X X. SI 


cc cc x x y: 


X X 1 


OC 00 




E 


£2 


















2 






















< 




















Pn 




















" 




















C 
O 















































"x 


- 












- 


o 






H 
2 
«*1 




a 








= 


5 














fe 


x 

- - 
° • — — 






2 




3 


. *-> • • ■ 

3 








. . . x — 

C 


■— 
O 








.8 PJD 

c s - c ~ ; 


— w "^ "l D 




— — ~Z 3 -^ 


^ X *;,; 

C3 • • - — 


— S 








■« o-r x 3 


fl — T = I 


~ c ._ „ — 




.— — 1- CC CC 










a i.x- x 


X C - c I 


— — '~ x ~z\ 


-li - rr_c: c 


x 1 = ? -s 

— ^ = I r 


— z 








p •s'B — c 

■3 - — ~ - 
— = ct — eS 


« t- c: .- 




3 •> c ii >> 

2 2 H 5 o 
hCtJRKW 


£22 2 2 


2 2 



INSURANCE COMMISSIONER. 



xli 



i-h © © 
OS CO 1" 



CM 



i-> © cm 

CO © OO 
I "".ft 00 
1 lO © 

CO 



© ■- o 
-r © © 

CM © t— 



NOOrfoO 
MOtO>3! 
i— iO © 1" t- 



CM CO © 

i >n io 

CO O i-i 



i* I— CO 

COINS 
CM O i-H 



W(-HOO 
OOOXOl 
■^tCN t ID 



(DOH 
© •— CO 
CO CM O 



1< iC CM 1 O 

CO 1" 00 f-i 00 

CO co 1« t- co 



00 1 00 
tO CM 
r-c U3 



tO t- © 

1(5(0 

r- cm oo 

l"e0 CM 

oo co © 

© © o 



t- O CO CM t- 
00 -0 CM © O 

Tf iO © ^- CM 

r" ©"© OC CM 
t— OO o o o 

CM © i— O0 t- 



© CO tO 
i-l © 1< 

Cm"oC~o6" 

CM 00 -# 
CO I— O 



r>rl CM r- CM 



r— l< to 

CM CO CM 
CM_r- O 
•"* t-*CO 

-r cm -* 

CM © 1< 



o >o to — co 

CO CM CM t- 1< 
©__©_©_ CO !--_ 

o— "oTo oT 

t- CO CM t- tO 
O i-i CM 



«~- CO 
tO CO 

I ©~©~ 
tO o 

CO CO 



<fe 



m 



OC o o 

CC OC O 
■** CO 1^ 

i> ocTcm" 

00 CM CM 

CM ift 



to © co oo co 

m in © m io 

cm i- oo ~ -r 

i< co co © © 
O i-l •* oo 



OS® 
OCliJi 

I-H T* © 



t- — © 

00 tO CO 

cccsoo 



tO CM © 00 i-H © 00 ■<# 
tO tO CM I 1 © 1< CM CM 
OO 00 OO 00 oo OO OO OO 





X 

$ 

£ 

— 

a 



?s 



c >» - 

£ = E 

* = 3 
P-i O'jq 



Cw i3 
g etj S 



Z?3 

52 



SO 

*■. 

<5j 
$■. 

to 
CO 



J= 3 - 0,q 
x br -j ~ u 
53 3 3 f» 08 

cs cc o ;- > 
a, co a. • r- -" 



x 1 x — 

O O 



00 -J< -* CM -f 
r- <-". I- 00 © 


1ft © 


t— 


l- 


n CO 


© 


1— 


r- co © i- 1 ~ 


t— >rt 


CM 


1> 










© i-h o oo »— 


K9 'O 


-f 


11 


cm to © cm cm 


© CO 


CM 


© 


CM CO i-i 


I-H 


©_ 


CO 


m 




¥f 


to" 


© CO CM © © 


OO tO 


CM 


CO 


i(5 CO t- '" O 


© -t< 


-r 


CO 


WNK5S OS 


© l- 


1" 


CO 










©'iCMt^©' 


CM -f 
CO ^" 


tO 




00 »-c CO © i-l 


00 


00 


CM CO r-1 




© 


CO 


f» 




& 


lO 


00 •>* © o © 


CM •* 


CO 


CO 


1< 1" CO CO CM 


CM i-H 




© 


© © tO CM CM 


T* 1— 


11 


CM 










CM © © 00 © 


to tO 


oo 


s» 


1" © CM CO CM 


© 1— 


© 


CM 


CO CO i-l rl 




CM 


C0_ 


& 




€& 


1<* 


i< t- cm *# a> 


© © 


tO 


© 


© l— © © CM 


© tO 


tO 


CO 


MHiHflJH 


CO CO 


00 


© 










ft'i-'ccVio 


oo © 


CO 


1< 


CM — tO 1* 1< 


Tt uo 


9 


I-H 


© t- i-l CM 


r-l CM 




t- 


& 




CM* 

«» 


© 


1— © © © © 


tO CM 


© 


© 


oj i- c :: i- 


1— 1 t- 


CO 


t— 


© 00 tO t- 1< 


©_-H_ 


t- 


CM 










1< 1< »0 © tO 


oo* to" 


co 


© 


co -# to i- © 


-r © 


CO 


1-H 


CO 00 i— CO CM 


© © 


© 


tO 










CO CO r-i i-l 


r^ 




© 


■€©■ 




^ 


I-H 


« IH -H(5 i-H 


OO lO 


"* 


© 


i-i © © 00 00 


00 CM 


t- 


© 


CO © © © l- 


■t 11 


o 


l- 










© OO lO — i-i 


i- t- 


CO 


© 


(ONioeo 


t-CO 


© 


oo 


i— >C CO © 00 


00 I- 


1< 


© 










-r cc cs oc co 


I-H lO 


© 


CO 


00 © CM CM 


i-H CM 


I— 


© 


«©■ 




CM 


1— 


co © to © >n 


t— 00 


1> 


00 


r- © o © co 


1- © 


>o 


I-H 


i-H © © iO CM 


© 1-1 


t— 


CM 










© © 00 t- ■»*< 


t- oo 


11 


t— 


CM i« CO © 'O 


»- © 


© 




00 >C OC t— © 


© OO 


© 


© 










iC © CM t~ CO 


© "* 


CM 


CO 


© © CM ?4 


n CM 


tO 


tO 


» 




CM 


co 


r- i-l 00 © CO 


00 © 


<n 


© 


CO © © © © 


t- © 


11 


© 


^- ^- uO © 00 


i— CM 


© 


00 










CO © i— CM © 


CO © 


CO 


t— 


CCiOMCCt 


© l- 




© 


rt © i— © i— 


© o 


© 


t— 










t- OC -* © f 


CM © 


CO 


00 


© © CM CM 


nCM 


© 


I-H 


*= 




CM 


1< 


© © 'O © t- 


1< tO 






© ut 1- t- 00 


OO tO 






00 OO OC OO 00 


OO 00 






1-1 1-1 1-1 I-l I-H 


i-H r-1 









• • 




• 










■ 


"on 








u 






. - . 3 . 


," H) 






"!m >i 


X li 






x — 


m 3 






ire 

•I), 

act 


CD — 
li CJ 
3 CJ 














O O 3 

,05 o a 


CJ 3 
C5 S 




■ 

"3 




tZ r: 






sa 




o 


ight 

Mai 

and 

Mill, 


05 I- 


_2 
a 

*-> 


"3 
3 
03 






o 


— 


«- O C S rs 








1 "<i K o fe £i 


^^ 














■ 












s 






a 










aj 


- 


s 

X 




CJ 


A 




c 


o 


-3 


>> 


>> 


o 


- 


«a 


□ 


c 


a 






r: 


- 


o 


tH 


09 




cS 


p 


DC 


3 


3 


cu 


so 


M 





ti. 


- 




a 








—. 


♦3 


"3 


a 


3 


a 








CJ 

R 


— 


u 

3 


►— 


~ 




*" 


a 

c 


— 



a 

3 
Oi 

CJ 

-3 . 

cs a 

s I 

ll 

•2 3.J3 

0> - aa 

co 2 § 

03 03 " 

*h ° O 

C e! 3 

S> * m 

C OC t* 

c s 3 

g CJ o 

°c ^ ^ 

r- n s 

.~ 03 03 

-3 ft, A 

a s a 

O O O 

a cj o 

"" » « 

o 2 !3 

fc r- Eh 



xlii 



REPORT OF THE 



m 
H 
go 

w 
K 
R 


o 


co p 

25 

O a 

l-H 


OS t- 

c-i c> 


t-eo 

to CD 


« M i« -t O 


«* irt t- t— 00 
- 1- CO 


to i— a 

i- ; :i i-. c 


P 0k M 
3 i- co 


t — S 


to o 

CN 00 


CN Ol 

CN i-i 


-t cr, o oc » 

CN CO CO <N « 


ci ci :: - 1 ci 


ge 9 go i> co 

Clr-CI- CI 


C. -* co i - cc 

".TCI 


Cl sot 


c 
o 

5 


■ "2 


CO 

CN 


">* 00 


co © a 

CIOT ..o 1- 


CO -* 1 '-O «0 
© CT> BO 99 


1 M CI C 

ci — .-. 


ci o- ci ci © 

KCC'CCI 


— © 1 
1- X - 


-t CI 
co ci 


05 © «- us o 


. : - i c i 


eo go f a 

eo ci ci sc 


: — tc 

-T « I- CN 


ci ex eo ec © 



W 



CO CO (B -1" 
©CO to 00 
Ci CO I 00 r- 



oc © © ci -r 
© ei © / — 

CO © CN tO O 



CC CN CO Ol •"* 



OCt / - 

CI CC 

I— I- © CI T 



© — — — ~ 

I I - ~. - CO -T X 

■Z — C J - :: s — / 



::/— :: r.:i:n- 



Co 

a 

g 
s 

CO 






HO 

CO 
CO 



•Z CO 

g; 



35 



— « 



t- 


to © 


OS eo -f i- 


oo r— - 




_ 


■ 


© 







CO CO 


-T BC 




, 


co 


*i , 


r-i 




OOnO 

.... 1 


r-r-Xtl 


CI 


~t p 








CO CI 










-T 






t- 


■a -r 


00 CC 01 ~ ~ 


CN 00 ^- © 






■ 


- 


r. 


© 




3 






■>* 


i.o 


n 


© i— .- ut -r 


— -z •-. "« 


a 


CO 


© 


— 


i - 


■ 


V 




■z 




— 


-• 




f-l 


to 


_ 


lO OS © CO 


i — m r 


-i 


CI 


r. 


_ 







i - 






aj 






— 


— 


iO 




Cl 


CM CO CO CN 


eo co © c i -r 


co 


uC 


co -T 


ci re 












— 




1—1 





































- co . 

* a ^ 

o ■= £ 

as 

o p 5 

fe £ & 



© CO 

CO © 

I I Ci f © .— t — r 



oi co x i- © » r. — z ~ 

© i- Z :-. :'. uo — 



NODr-ifiH © — /■ r — 

cn eo w eo c -/■ r 

:t Z — ? CO O 04 



O r- -O l- 



-f-f© t-iiCrtCM© : : c — r z 

eOi-iCN r-cNOCi-tO t:: - 
I ci- a - -f r. :i :i r. 



Mcea •— ci © — r- re — co t- ci 

-r 'C - r- - c z f i - -——-.— 
•-o I t— re — 



r*-4 Qi 

CC U, 

• a 



— — ci — 



r-> ^* I 00 © uO Cl l- C © 



— C XT i— _ r- © X I- © F- 

ac © cr i- 'C 



CJ 



M 



W 

i-9 

H 



o a 

U l-H 

a 



00 CO OS © © 

l-it~if5CN!0 



!-"O3coCiC0 ©coco — ^ corot 

oc oc — i ~ ' c i — ncjaoio — - - r 

c xttcim © © © at cc_ O p^*» C» O* i-^ t-^ — '-, : \ 

cr^"©*ro*co co -r co" ro" cc" — '© x t- t- z — z z -. 

CMClwOi-iO ri r-©X C0C1 — — C1CC CN 



z 

< 

Oh 


o 

o 

w 

S5 



. - . . fl 

3 
IS 3 » 

c s « o "5 

■*-• vCTC ° iz 
be a> "-■ -3 co 

« a 



r4 
fit. 



i 3 



»5 • " 


• $«••• 


(Ott . • 


■ 6£ 


i. - _ - « 

— —' - x. c 
J2 -; "i. C co 
CO O^ S 5 

sj x- cS .— O 


B 2 o = 
S o • S 2 


m m o o o 


QftHE^h 



K~ ~ ~ Ti 



• - i: a. - m 
_c c ^.— a 
o > a =• >> 
5 £^.= c - 



- S 
= 



- = - i _- ~ - 



= r = 



feOM KK - - -2 ^ 2 2 2 2^: 



INSURANCE COMMISSIONER, 



Mill 



■»* i« to CI CO 


3 CO •*# 3 GO 


OJCC>- 


00 


t- CO -t- I- -f 


iSiOCiOM 


ire oo rr 


CO 


c: — -r ■-. ci 

CM CM 3 CM CM 


l-< CI 


CI — CM 


t- U0 CO 


■* 


3 -* CM CM CO 


irt CM 


CM 


3 00 CO CO r* 


CM 


3 i— CO 


00 irt 


-* 


CI -* I- 3 CI 


a> 


ao CO CO 


O T— 1 


3 


i— .— 3 i— ire 


■ - 


CO I- CI 


3 3 


3 


O CC L- CO CO 


3 


■* CM CO 


r-t CO 


CM 


(- O 1' ■* C5 


3 tf 3 3 o 


3 3 3 


3 


c. o ri :: .- 


OO -f 


i-OI- 


•^ to *- 


3 


ire O >-" i- i— 


r-i ce 


CO CO •* 


1> 00 














3 OM 




n 00 CO 


CO 




r-i •<* 




CO 


CO 


3 
i« 


NOOOH 


— t~ 1-- o 


t— 3 i— I 


ire 


3 r- rf ■— CI 


3 3 O i-h 


CM 3 i— 


i— i 


CO ■»* O ■* 


t— 1 


3 'C -r 


I— 


CO 


o o e» fr- 


CO 


CM 3 3 


3 


I-H 


om CC I- 


3 


-* CC i-C 


iO 


t- 


r- CO CM CM 


r-i 


CM CO 


CO 


co 


t- i-5 CC *!■ -H» 


3 -f 3 3 O0 


3 Tf t- 


CO 


r- ffl in :: t- 


CO 3 


:~ 3 co 


3 Tf i- 




r^cccc ?: — 


CI 


l- CO 3 


CC I— 3 


3 












3 -t — CJ 


CM 


3 


r-i 3 




rH CO 




h* 


»# 


CM 

3 










to 00 •— C- — 




u0 3 CO 


00 3 


3 


HOVOK 


3 


3 'C CC 


r- -P 


CO 


CM 1 


3 CM t- 


CO 1 CO 


















CO 3 3 


(M 


-r 


«© CO 




-* i-i 




tr- 








1-1 


3 


o « c -t w 


t-MiflOtO 


3 I- CO 


CI 


3 — O0 CI CO 


-* — 


CO t- •— 


CO CO «0 


o 


om»;o 


CM i— 


00 CO rH 


3 CO 3 


3 












l— 3 O — CO 


■>* "♦ 


CM 00 


t— 


3 CO 




T 


CO 


o 


rH 




rH 


1—1 


00 


O00 00HH 


CI 3 


>0 3 CO 


t- 3 3 


3 


i f — 3 3 


3 CO CM 3 CO 


CM -f -t 


3 


i-C CI CO -f CO 


CO CC CO CO l- 


O 00 CO 


3 












CM iO 00 CI 


** o 


-* 


ire 


t- r-H 




I— rH 


•*!< 


•re 






?-H 


F— 1 


3_ 

of 

4» 




5 

33 . 


"3 








V 


J3 








h 


u 


s 




■*r 


<1 . 


2 *s • 


t 3 




o 




""2 . 


53 




a • . . . 




= ;3 


-> h, 


■ 


b5 - >> - 


3 » 


5- » 


stforc 
8t Ne 
rceste 


■ 


Newb 

Patrol 
Quinc 

Salem 


.3 3 
» 51 




H 




3 c: - 


o a> o 




a - b > t> 


>>> 

r-r- r~ 





CO 

*•* 

3 

to 



hooi-nh 


CUM 


CO 


00 


3 00 -*■ 3 co 


CI 3 


-* 


rn 


3 t~ 3 3 3 


3 3 


I— 


ire 


rn i—( 


l— l 




r-t 


cooitxio 


CM CI 


■re 




r-r-OCOl- 


r~ 3 


t— 


O 


O«r-!00 


— 1- 


t- 


t— 


r-i rH 


l-H 




r-t 


CO i-i CO 3 ■* 


CO 3 


-« 


CO 


CO CC -f <— CI 


co ire 


3 


3 


l-l-J. Tlf 


-t TT 


3 


CM 










CM CM Tj" t- -1< 


co ire 




CI 


■<* 3 CM rH 




CO 


CO 


» 




t& 


3 


l-i-NCH 


00 -- 


a 


3 


CM CO -5*1 ■<* CM 


Tf I-H 


CM 


CM 


t- 00 'C CI t— 


CM t- 


-f 


3 


vO CM CI t~ CI 


i-C -f 


O 


-T 


3 1-3 — 3 


CM CM 


CI 


-f 


CM CO ■* T CM 


-* *-* 


co 


CO 


TfOlCR^CO 


-r 3 


3 


CM 


i— i ire -r 3 co 


r- 3 


ire 


i- 


t— 3 3 3 CO 


o ■* 


CO 


3 










co «re 3 CM CO 




3 




00 00 3 ■"* 


U5 CM 


3 


CO 


r- CM rl 




r— 


CO 


« 




«£ 


1—1 


«o •-< 00 "* -Ji 


r- CM 


o 


»o 


i— 3 CO — 3 


3 CI 


-* 


t— 


O CO 3 3 — 


CM CI 


•* 


ire 










— 3 O 3 >— i 


— 3 


3 




3 3 CM I- "# 


CI CI 


CO 




3 t— CM CM 


i-h CM 


CO 


3 


m 




CI 


•* 


t~ -* 3 t- —> 


3 -f 


CM 


-t 


3 — I- zr 3 


3 ire 


CI 


t- 


CO Tf 3 3 3 


r— cm 


3 


3 










3 3 CI 3 3 


— id 


T 




CO CO .re 3 CO 


CO — 


3 


3 


O CO CM CM 


f-H C» 


CO 


rH 


» 




CM* 


■* 


HOtiCI»H 


-- CM 


3 


3 


CO 3 iO 3 CM 


3 3 


no 




3 3 CM 3 3 


3 CM 


3 


3 










I— 1 3 00 CO CM 


i— CO 


3 


CM 


i— ( 3 CO 00 -H 


co co 


CO 


3 


r- t-SM CM 


i-i CM 


-r 


9 


€©■ 




Cl 


■<* 




<9 


' 


* 










en 


CO = 






IE — 

it s 






• - o ' 


^ w 


• 


• 


3 i, i 










52 

3 ^ 






. S O " • 

-> ca 




OD 


ight, 
Mam 
and \ 

ver M 

Mill, 


a 
So 


a? 

13 


O 

•o 

3 

CS 


r 3 s^3 . 


CJ CJ 


o 


E 


* 5 =~ 5 

^ H w ~ Z< 


- y 


H 





>• O O - 5 








< IX -_ ^ - 


«!*> 







xliv 



REPORT OF THE 



05 

o 



e 

e 



< 



c 

° >» 

x u 

s a 

~ 3 

3 3 

00 Q 





3 




1- 









>> 




X 


a 




D 


a 










- 




00 










oa 




DO 







o a 
o -2 



X 
X 

C 
_ 



3 .2 <- 

B d 

^ ft 



M 

B 

ft -O 



o 



- 



- 

c 
o 

h 
o 

W 

< 



— 1-1 3J 



© 



3 ~ -2 

S S o 

™ X) 

- = 



5 

a 

a 
9 



— 
a 

3 



a 
= 

(1 

■5 



05 

a 

<^ 



I 



I 



«o 






+_ 


■0 


M 


1- 


d 




■ 


o> 


3 

08 


1—1 


s 


a 


m 








. 


Q0 





00 





cc 







-r 


00_ 


:<_ 


a 


e» 


«o 







— 


c» 


1 - 


— 


<& 




* 


N 








to 








# # 


CO 


US 


•-* 


d 


00 


CO 












Si 


1— 


© 


«o 


es. 




I 


9 


H 


^1 




— 


■ 








- 


■*i> 






a 


■>* 


O 




■ 


©_ 


■ 


O 








•J 2 


/ 


a 




i~ 




1 1 




11 


z — 


• 




•>.• 










E 








1 








2 










r- 


t— 


-* 


X 


c< 


T 


t— 


III.' 
ivcil 


-, 




■ 


M 




•9 




CI 


1- 


3 B - 




^~ 


C<9 


«S> 




•/.• 


a 2 














■ 


CI 

— 


t~ 






t~ 




1 — 


™ 


— 


tt 


t~ 


a "O 






— 


1 a 


* 




4& 










- ~ 








a m 








a 








- . 





_ 


— 






DO 


■ a 

— 








r- 




=T 


^ 


■ 




5 


X u 


71 




n 


S = 


• 




<s& 


S M 








O 








>-' 








to 








< 
























s 


























fe 

















H 








S 








< 








to 


















"3 


"i= 






= 


a 






w 




m 




= 








a 


i 







es 


- 


1- 




- 


■a 

c 






O 


t-t 





— 

m 
I 



INSURANCE COMMISSIONER. 



xlv 



«*> 

J 

Hi 

g 

53 

s 

CO 

U 

O 
■*~> 

to 



eo 






a £ 




i-'O-i'coot^oMtcoo* 




a 2 

fa «j 




U5--C4r-iSOO<Oi0 1S>0 


1 


oS 


1— i 




1- 


Q 






H fU 








- B 














^ rt 








£* 




<n © 10 n » 10 '« f- :: a 





Z tf 




nt-'-ooxt'-csei' 


i— 


H O 






nr««riOt- C* COH 


■* 


CS 1!; 


0>r-< 






Q 






"- 1 * 








_ 






O 55 CO 


m>meOeMeOO-+ — OOmO 


CN 


mm — t-oiocac — toso 




■ a5 H 


COfOMMOeBtt 


~1 






s n ^ " 


t«t--rO-* — COCNCOO-* 


eo 




• C O CO CO CO — -# — 





Burp 
impa 
of 

Dec. ; ] 


g^o*. CO r-l O 


eo 


• 






So"® 


mmeO'Mcoo-* — aomo 


C* 


iniD"l-3)OlO(»iH010 






Oioeo^nineMtf 


■<1< 






g <o — 


:n-- o-*H«c<no)'* 





— TD r? 


oo^eoaOHeopSH 





ai-a« 


CONOCO t-NONo" 


•** 


IE 1 O » 


^ef m 




*• ~ Q 









«J**O^CO»eOt~Oi-^«Oi 


t- 


CO 


oo»s«nt-iooio^ 




«J — 


r-co — if ie n n - -tci- 


<N 


O — 






«l-i'r-315INfflSiON 


CO 


t""t-«TfCCCinirMN'* 


t~ 


3 


CN t— CN r-1 i-i nHiO 


«© 


<* rH~ 


co 


3 




«» 


■a 








■ 


^o>ac»«^ooot-c)C» 


<3> 


<OrHO®f)r:x k^oo 


CM 


t— ■♦ooctei-t-coecif) 








00m — co — in»ott« 


00 


WiH-HW^CSWiOt-O 


1— 


■ 


ffiSltt"Crl»N©eQCrt 





m 



Ei 


*« CO 


s 


O 




e» 


L* 






JS «H 


lOiOrtOBWOVCOBOXN 


t- 


1- O 


Wt-Wl-r-CHD-+'M05CO 


co 


<-> °° 


cot-eoomcccNoot-CNcs 


■«1< 


ci *"^ 






>o<ooit-moesto®ci«) 


eo 




t- c© co e» -* t- m co 01 eo 00 


CO 


C CO 


ccooei'twoofiiCMe 


O 






£ 


-*—"»--* OS O — <M O 


O 





CO — t CO — > nrtWOO) 


00 


■» «-■ 


CO 


a« 




<& 


* 






55 


OOOOOOOOOOO 







OOOOOOOOOOO 





Oi 


OOCNOOOOOOOO 


CM 






cS 


OOt-OOOOOOOO 


t— 


O 


oomomooocoo 


O 


noon 't N-tMiOri 


o_ 


J3 


«&r-T r? 


«o" 


a 




«» 









* 






a 






«4 






cu 






a 


















4 


fc 


...... .0.0. 

5 _a 







•n "S 






CS 55 




-< 






fc 


* .O 65 - « 






.3 ja ^ - 5 . | 2 







c; ^ a 5f-^ "- s n ^- .i 






c»«*»>-r;2rr-cv 





xlvi 



REPORT OF THE 



05 

I 

e 

o 
«3 



•S 



eo 

e 

CO 
CO 



- 



o 
h 




(3 


o o o 


O iO 




-r 


-*• 


00 


Boo 


-r us 


> i 


CM 


© 




■ 


*-> 


co i-i 


■»* 




•^ 




GO 

m 
o 
■J 

h 
o 


s 


■c 












a 


T3 

> 


CO irt CO 
CM CM -* 


CO t- 

-*• I-I 






© 


o 


s 


SJ8S ' 


»^ 1 1 t-^ 


i i 


►- 


»— 


H 


a 




I- TJ» 




»- 


<o 


t- 


6 


i-i 










< 


■ 












tf 


0* 


1 


















»-CO CM 


i-l CO 




>o 


1© 




at 

(0 




-1" — f Oi 


-r «o 




■z. 


1 






oc t- © 


-t CO 




■~ 




T3 


1-- -JV7 ' 


~T ' » co" 


i i 


oT 


_^" 




03 


°5 

Pi 


I- O CO 


co 




-T 


Ol 




O 
►4 


«&© 








CO 
4» 


CO 
















CO 

H 
















as 


, 


CO CM •«# 


O CO 




CJ 


© 


E 


•o 


ooao 


CO CM 




5 


T 


00 


£ 


Oi ■— * I" - 


>o «o 




r- 


fl 


P 


> 




* 1 1 ■» 


i | 






fc> 




iOCCC ' 


O ' ' -*f 




«o 


-r 


W 


a 

0) 


'3 




T»l I-I 




o 


-. i 

OI 




G 


■ 


1-( 








4» 


5 




















CM CO ■* 


C5 O 




CM 


© 






CO i~ — i 


o o 




r. 






a 


CO -T CO 


CM Ci 




© 


»- 


















M 




0!C<0 ■ 
i - W © 


CO ' ' o 




© 
© 


© 
S i 








oi -t cn 


»- CM 




© 


o 




P5 




^cnto" 


^ 




rf 


ao 


i 




CD 










o 

E-> 




a 


O <Ot- 


CO US) Ql 


t — f 




3 


,M 


•O LO »£5 
• 1 • • 


-»■ -c -r 

1 • • • 


«o t- 


1 


CO 


■ 


.^ 












■ 


s 


£ 












eo 




CO ~- CO 


oj H o 


i r 




— 


O 


a 


8 


CM ^-l~ 


fOI- 


O -r 




CO 


o 


3 


> 


n i «t-' 


i — oc es 


»C CO 


1 


■ o 








CO CO o 


COiO 


ao © 




© 


H 


a 


■ 












■< 


? 


u 












« 


« 


n 


















CD lO Oi 




r- — 




■* 




<9 




«5 Mb- 


C. W TI 


-r i- 




CO 






O 1- CO 


:: ?> •— 


CO t— 




© 




■d 














00 


CM ' O O* 


1 C^ 1- CO 


t- -s: 




a 




02 


'3 


o r- ao 


CO CS OJ 


— © 




r: 




O 


~* r-l 








cr^ 




i-3 


• 




i—i 






CO 

■ 














•fe 


as 




.-l th- 


■* OC -f 


© t- 




^i 


e 


•d 


© CI 1- 


^- C5 Ci 


CO © 




CO 


g 


03 


eo cc co 


ci v: — - 


~-~L 




5 




3 


> 




1 * - - 




| 




GO 




CO ' "J" ■* 


' co -»■ >.-: 


t~ © 




CO 


b 


a 


"o 


uO »~ O 


© — iO 






1- 


s 


CM NrH 




i-« t- 




c» 


« 


0) 
14 


m 




,_r 




of 


H 


C 


>*» 










€& 


2 




















— Wirt 


i— i t- to 


c s 




a 






Ci c o 


CO -+ CO 


co -r 




CO 






a 


CO — i— 


M re :: 


CC CM 




:: 


















03 


a 


CO ' CM CO 


>-Z CO 30 


oc t~ 




Ol 




Jal 




as or co 


I- '-~ DC 


co -r 








03 




CO CO CO 


t- CC — 


t- Oi 




t— 




















s 


CM © O 


•»* © OJ 


© r- 








CO CO i-i 


i-i i-i i-i 


<M O 




© 






m 




i— i 




CO 


i 














m 




>H 
















fe 
















«* 
















c 








m 








a 






C3 


O 

a 








o 




• . . • 




* u 


• 


• 




o 






5 


- 








&H 




_ 


. . .a 


^ 


. 






o 






T3 














• • © 

B S 

.5 o 

Sags 

o — — s 

= o o * 


« g) 

~ - _- 2 

— V X h 


II 

f = 


■ 
V 

a 


_oT 
o 



INSURANCE COMMISSIONER. 



xlvii 



CO 

S 
§ 

S 

A 

O 

HO 

°5 



Ho 
HO 

cc 
3 

O 

e 

eo 



> 



T3 "3 

3 is 1 

5 o 



p I 



s s 



z 

x a 

M & 



a h 



0000 
© © •— © 

■O C: 1- © 



o © o 

© © © 
© © © 



HaSaH <M -f ~f © 
>*r-niO t-i ■"* CO •** 



~* © -»< -* C* c/; 01 -f 
t-CB t— 00 CI i-C -J" CO 



-*r— ©lO OOJ1HO fH ■** 00 

cs oo o t- to cc -f -f t- ci © 

t-COOi— I ©'tOO iC>T5 M" 

-r-f-S-r oo'i^ooi-*" oToo" cf 



t— t- © © -# to ao © «nfi 

O0Ct-rt ■>* CO © CI COM 

ci <c eo eo ® f— t- ^r © r-< 

n *«»• <©" o» cf 1-^" CO CI 

Ort-tOO «0 •"* d © t— C* 

C? © CO t-H HrlH rlfll 



^" -* © lO «N-f©a> t- as 

© t~ C» CO f-H © T O C5 •« 

O^CO^CO rm l- t-^t- OS_ •<* tO_ 

a$a>c?n "♦"•- '©"ao" eo©" 

© -r -r t— ^I'tMO o •«* 

CO i-h CO r-l T-II-1CN l-l OS 



.2 § 

J « 

= a = m 

.H - 2 -5 
*« o •> 3 

- -— gg 

E« ?» to 
Z Z ' 



2 - © 

s .- el C 

1 ffci 

P9l>*) 

H fc £ ^ fc 3Q |> 



T5 

- 

3 
5 « 

fa 



es 



xlviii 



REPORT OF THE 



CO 

e 

HO 



so 

e 

I 
a 

Si 



> 

- 

< 







« 


UO 


CO 


© 


© 


o 


>-. 


C) 




© 






■z 


i- 


_ 


_ 


« 




; © 


F- 


C» 


© 


i-^ 


ci 




CI 




9 




Cl 








■ 


« © H 




Of 


si 


-r 


00 


8 


i - 


00 


1 


— 


1 




■z 


.- 


•^ 




jrcentag 
Surplus 




£ oo 


© 


o 


■>* 


I- 


•a 


»~ 




-r 




CC 


© 






— 




Q~ 


















T 
















. 


l~ 


Ifll 


00 


© 


o 


© 


OO 




-r 


— 


H 


CO 


- 


■ 


r 




" ~ 


iO 


t- 


i- 


oo 


-T 


© 






ei 


-r 


B 






Z 


- S 

o 




* Oi 


© 


© 


3 


-T 


ci 


© 






© 


© 


s 


r- 


I 


t- 








CO 


t~ 


oo 

I-t 


lO 


Cl 


>o 




•a 




© 


CM 










1" 


CO 


© 


-f 


oo 


© 


© 


t— 


© 


© 


t~ 


© 




— 


I- 


'1681 '18 


•09(1 


ci 

CO 




HO 
© 


CI 

oo 


© 


C) 


CI 

-T 


1- 




i- 

X 






C 1 


■z 
— 


•D 




































'ttnid«Q jo inara 


Cl 

oo 


s 


5 


00 

© 


-* 


© 

CO 




© 

1 


cT 


s 

Ol 


© 

00 








E 






U L 


CO 


n 




CO 




M 


t— 


r- 




I— I 










-jiudan ao enidjag 


CO 






FN 








♦-♦• 




















-* 


to 


© 


-r 


ao 


-r 




»— 


© 


© 


»— 


© 




„ 


t— 


'1681 '18 


'03(1 


oi 

00 




© 


CI 

oo 


i - 
to 


-r 


CI 


CI 


i- 

— 


ao 


1 




© 
Cl 


— 


-c 


'sj8pioq-A"oiro,T 


H 
00 


s 


5 


00 

© 


~f 


© 




CI 

— 


CI 


CI 


00 






CO 


X 






2 


00 


CO 


*- 


a 


CO 


t^ 


CO_ 




CI 


— 




Cl 


u-0 




epaeSaa s« sti[d.mg 


m 






"""' 








CO 


^ 


















_ 


-f 


^ 


t~ 


-r 


■ 


§ 


tO 


CI 








Cl 




Cl 






CO 


CO 


es 




00 


© 




© 


-r 


ao 






1~ 


T 






V* 


CO 




ul 


M 


■ 


l-t 






CI 


i- 


•r 


9 


-T 


— 


•B3I]l[iqBl r I 8S0J£) 


o 

o 


© 

CO 

CN 


Ol 


1- 


© 

c 


-1 
© 


>-C 


© 

CO 

©_ 


— 

CO 


v-C 


Cl 

-r 




— 


FN 


Cl 

rc 






of 


t-f 








p4 


of 


co" 




















it 


































o 


o 


_, 


— 


tl 


CO 


00 


CI 


CI 


© 




•n 


t— 


r- 


1 






00 


1 


t— 


ci 


■~ 


■ 


oc 


ao 






1- 


ac 












Oft 


ie 


-r_ 


© 


— __ 


9k 


S 


©^ 




— 


•>* 












































CM 


— 




cf 




M 




ac 


-f 


CI 


Cl 






© 




•siaesy ssoaf) 


ac 


00 

©_ 


oo 


M 
■ 


© 


CI 

© 


Cl 


— 


CI 


© 






© 








o 


of 




of 


— 


r^ 


eo 


cT 


F" 




t-l 














|H 














i-i 




















• 


































ao 


,_ 


© 


to 


ri 


,_, 


._ 




© 


z 


© 


— 


Cl 


__ 


■ 






FN 


r- 


•* 






B 






r. 


— 


r 


C 














ao 


GO 


— 


o> 


Ol 


°1 




- 




i- 




I- 












































t~ 


u- 


© 


of 


© 




oc" 




o 


Cl 






a 






*'I68l 18 


"09(1 


r- 


■<* 




— 


CO 


© 


CC 






© 




© 




Cl 








© 


OO 


i- 


k» 


t- 


ao 


— 


ac 


°1 






■-: 










































qerji jb janotny 


CO 

© 


CO 


CO 


© 


© 
I- 


u-2 

— 




■z 
o» 




>a 


00 


ac 


— 




— 






CO 


oi 








pi 


CI 


— 




















8> 


































Q 


o 


© 


© 


© 


© 


© 




= 


© 


§ 


O 


r 





- 






o 


© 


© 


© 


© 


© 


5 




z. 


s 


© 


5 


© 


5 






o 


© 


© 


© 


a 


© 


© 




z 


© 


= 




© 


© 






















1 
















•IB^dBO qe«o 


e 
s 
©_ 


© 
© 

lO 


© 
CM 


© 
© 
© 


© 
© 
© 


© 
© 


§ 




© 
z 

CI 


© 
© 

Ol 


© 
r: 


© 
Cl 


E 
© 
Cl 


z 


= 

E 
Cl 






•** 






























to 







































TJ 


o 


• 


>f 


i* 


Z 


_s" 


: 


o 


-z 





X 


• 


— 



- 


O 




o 

<— 1 


C 

s 


>, 

E 
cS 




a 
o 


> 


B 


> 

is 


> 


•— 

o 
a 


- 
£ 


E 
O 


>> 

z 




> 






G 


£ 


<5 


- 


X 


fe 


2 




s 


a 
O 


to 


■~ 


< 


2 


i 


H 


































55 


































«5 


































0-> 


































S 


































o 


































o 


































fa 


































o 












. 






















Ba- 




. 


. 


. 


. 


2 






















la 












p 


oT 


«r 


Tt 


5 










■£ 










« 






:. 


b 


c 


Zi 


= 


. 








~ 






ef 


= 
— 

5 

a 




E 

a 

— 




B 
C3 

a 


E 

w 


a 


- 
I 


o 

2 




Id 

E 


- 
■- 

= 





a 






Q 




a 


B 


a 


- 


- 








K 


N 






B 






"5 


5j 


— 


E 


- 


E 


E 


3 


~ 


5* 


^3 


^3 


E 

r 


_r 


5 








<; 


<; 


«l 


< 


< 


< 


<; 


— 





q 


U 


■ 


— 


Q 



INSURANCE COMMISSIONER. 



xlix 



CO i-i rH 



CO i— rl 



wl rH O <-i 



r-> r- Oi i— 



•* p- ^« 



r-i CN i-i 



CT 


OI 


eo 


,_ 


CO 


rH 


CO 


00 


00 


** 


00 


-t 


-* 


t- 


CO 


o 


o 


o 


ia 


00 


cr 


CO 


co 


CO 


CO 


-f 


CM 


;m 


CO 


<M 


CN 


© 


CM 


CO 


05 


Ol 




-r 


CO 


o 


Ir- 


t— 


o 


CO 


t— 


ec 


CO 


CN 


CO 


CN 


lO 


CN 




o 


CO 


I— 


•CO 


CM 


c» 





rH CO CO CN rH 



3 



rH CN I— 



t- CO t- CO 



r- — r* 



O r-i i-i 



CO i-i rH 



t~^ O r-_ 

O I- K 

00 irt r-l 

O 1— Oi 



._. ._ I 



a, 



— if a 



o 

r* 73 T3 

te — — 



Q £ 



>H fc 



a9 
S3 j> 



rH fc 



m ■* 5 "S ■** 



o 

■3 « S 

rt 5 » 



S 



* 



. J3 



Rl 


rU 




-^ 




. 


— 


O 










I) 


>> 




-i 


— 




■ 


a 




:— i 


3 




-= 


O 




Oh 


U 


• 


o 


o 




B 


O 


~r 




a> 




■—> 




-1 


« 


a 


fa 



H £ 



fa 2 

s | 

° s 







Q C S 



«« r^ 



fa fa fa fa fa 



a = = 

eg — — 



£ S ^ 






fa 



a 


A 


00 


CJ 


3 


a 



fa fa 



fa o 



as 

CS = = 

►j C ^ a « 

9 .— — - — 

o o o o o 



REPORT OF THE 







a 




r-t 


-* 


CO 


o 


o 


r~ 


_ 


CO 


-1 


© 


© 


1- 


-1 


r~- 


B O 


H 


CO 


© 


CO 
I - 


CO 
CN 


CO 


CO 


-r 


© 


CO 

— 


I- 


CO 

-r 


CO 

4 


-T 


CO 


l - 


1 

e 


o m 


W 

M 

< 
M 


a 




■^ 


t— i 


o 


►• 


CO 


CN 


i—l 


■** 


CO 


o 










2 g 
z s 


O 

Q 


i-l 




CM 










f^ 
















- -- 


. 




CO 


©. 


•r 


a> 


CO 


Ol 




CO 


1- 


-r 


,- 




_ 


■ 


CO 


•— i 


cn 


CO 
CO 


CO 
iT5 


CN 

© 


© 


o 


CO 

© 


o 

CI 


CO 

I 


i- 


-T 


K 


-1 




£h h 


a 


CO 


CO 


CO 

1-H 


-* 


*~ 


eo 


rl 


CN 

r-c 


■" , 


T* 


** 


1- 


CI 






o 




Q 

































•1681 *18 - 09a 
-jjeduu jo snidang 






o 

c 

o 

O 



no 

e 

?■» 



8 

6 

CO 



"1681 'IS '3»a 
'ejapioq-Xoijoj 
epi«33j bb enjdjng 



c — - 



.— 


sd 


'/.. 




as 


9 


■- 


re 






■a 


ac 


i- 


C 


= 


i- 








ci 


• 





•sapiiiq*ri 880J9 



•* ri 



^- 



— — 



•njassy 890J£) 



— r- s 
— 



.J 



*'1681 '18 *o»a 





pm 


-> 






~. 








a 




~ 


■- 


- 


V 


-j 


t~ 


— 








M 






CI 


•*• 


N 



CI — — 



a o - 



•^BjidBO qsBO 



— -n CO 



- 

Z 
S 

'- 

o 



£ • 3 

r* t: *o 

> ~ * 



— 95 — — . 






JB M 



R £• £ a 41 



« c 



^; > -^ 



-f ? = ^ 



" 

jz - 



E z 



2 DM 






- 
< 



z -= 



o o 

O O 

~ a 

W CJ 

= c 

* - 

= = - 



1 ■ :- ■-.*•■ 

m a ~ "x 

■o g _ - = 






5 | S J 



S -. - x 



- = 



- - — SL 






2 2 



2 S 2 S 2 



INSURANCE COMMISSIONER 



li 



CO r-i 1> 



rH CO 



i-i eo 



l~ l-H o 



r-t a> t~ 



CO I— r- 



3 



CO CM 

oo" -* 
— o 



r-i CM Oi 



Si) 

a 

-5 

s 



O >-H 1-H 



CM r1 rH 



o 


ao 


-f 


i« 


05 


t- 


CM 


CM 


o 


CO 


Oi 


t— 


Oi 


00 


CO 


,_ 


CO 


CO 


~f 


CO 


— 


CO 


O 




CO 


-* 


>o 


1^ 


t- 


CO 




o 


00 


l~ 


a> 


o 


CO 




CO 


I— 


'_ 


CM 


t~ 


CM 


O 


© 


o> 


t- 


00 


CM 


CM 


CO 


CO 


CO 


o 


o 


CO 


-r 


CO 


r— 



^ 


• 


^ 





T5 





> 


«2 


^ 


* 


£ 


•? 


8 


^ 


o 


fe 


W 


fc 



^ -a 



^ c 



fc 3 fc Is S a fc ss 



5 


-a* 


o 

a 


O 


ex 


3 

s 

■a 


z 


o 




o 

«t-c 


2 

o 


>< 

E5 


.2 


e 




11 


cS 


a> 


(V 




o 


s> 


fe 


•— i 


=h 


fc 


A> 


- 


&3 


fc 



fa 



H 



_ rt 



2 fc fc 



* ,~ 


Q. 




- fa 


a 


- 


3 a 


ej 


O 


z «- 
C3 


a 


>H 


- ? 


^ 


& 


3 « 


CD 


o 


5 fc 


fe 


fc 



s 



fa 



fa X 



fc fc 



B 


« 












at 





.— i 



fa 



j» .« ■- 13 



OJ « 



b H H &4 ^ 



= .= = cu S 

g ""3 .2 •? ^> 

O- « £ 2S - 



lii 



REPORT OF THE 



PC 

o 



I CO j 

£ °° 



l- CO i— 



■ - 


to 


I- 


•n 


© 


CO 


CO 


r. 


M 


a 


•r. 


© 


© 


CI 


in 


© 




'1681 'is '^a 


-* 


Cl 

CO 


00 

1" 


CO 

© 


in 


© 

CO 


9 
© 


f~ 


© 
© 


S 


CM 


•f. 


CI 


CI 


y 


CI 




































'[KJKIB3 jo laoui 




o 

CM 


o 

CO 

«o 


"-* 


CO 
CM 


■p 

CO 


i-i 


CO 
CO 


IO 


00 


1- 

CN 


-r 
i— 

•-C 


C 1 

CO 


1 


i-O 


■ 
1- 


-JiBdiui jo 8ti|djng 
































- 

00 




tO 




in 


(O 


CO 


cc 


© 


1—1 


© 


1« 


© 


© 


CI 


•n 


a 


•1681'18'oaa 


^ 


CM 

CO 


00 


CO 

© 


-f 


© 

CO 


© 


t^ 


© 
© 


jj 


CI 


. 


CI 


CI 


CO 


© 




































'sjapioq-.fouoj 


to 


» 
© 


© 

CO 


5 


CO 
CN 


CO 
CO 


© 


CO 
CO 


- 


00 


uCJ 


-T 
1- 


CI 


© 


— 


f 
— 




CM 


to 


I— 1 


•n 


CI 


CO 


CM 


~. 


CM 


CO 


■* 


■-■^ 


CO 






\ 


epaeSaa sb BQ{diag 


<fr 




1-1 


























Cl 




t~ 


00 


CO 


© 


co 


© 


« 


3 


© 


© 


-t 


1—1 


a> 


„ 


— 


CO 






CO 


in 


iC 


s 




CO 


— 


© 


CO 




1- 




>- 


1 




t~ 


■**< 


■* 


«o 


CO 


■:■ 


© 


CO 


-T 


1— ' 


© 


t- 


a 


'- 


•BOIJI[iqBl r X 8S0.I£) 


OS 

CO 

• 


CM 

© 
© 


t— 

r— 

00 


© 
© 
co 


CD. 

r— 


CM 

l-H 


5 


CM 


© 

CM 


© 

© 

CO 


-r 
CM 


-z. 

CO 


a 

ri 

© 


1— c 


— 


- 

* 1 




CO 


iO 


CO 


co 


© 


CO 


CO 


in 


i« 


-r 


-r 


p- 


_ 






CO 




CM 




** 


00 


CO 






~ 


MJ 




CO 


© 


-- 




tl 






OS 


CO 


© 


o 


© 


CO 


© 


t- 


■ 


to 


CM 


CI 




r 


— 






^4 


,— 


CO 


© 


CO 


^_ 


i^ 


© 


CI 


s 


PM 


P4 


p4 




- 






© 






















CO 


■ 


re 






•siessy 830J£) 


© 




©_ 
cm 


© 


<tf 


■* 


CM 


■a 


iO 


r-> 


© 


CO 


i-i 


— 


— 








T-t 


I— < 


(N 


^ - 


^ 


CM 


© 


© 




r 


a 


•n 


r— 




■ 




t— 


■"!• 


© 


© 


•n 


© 


•O 


:: 




-r 


I- 


CO 


.- 


ac 








CO 


I— 


1—" 




CM 


CO 


•_ 


I- 


© 


© 


— 


r- 


© 




-. 


•L 


. 




Ol 


ptf 


CM 


CO 


CO 




o 






— 


»— < 


CI 


— 


CI 


© 


*'I68l IS ' 08 (I 


in 


CM 


'J" 


CO 


© 


o 


CM 


CO 




M 


CI 






i- 












CO 


CO 


CO 


-* 


I— 


© 




















































j[sia It* ^aaoaiv" 


m 




o 
I-l 


© 

v-O 


© 

CM 


© 


^ 


© 

CO 


CO 


vr 


11 


© 


Cl 

© 


© 


II 


Si 




© 


o 


o 


© 


© 


© 


© 


© 


o 


© 


© 




© 


© 


c 


- 




o 


o 


o 


© 


© 


© 


© 


© 


© 


© 


_ 




© 


C 


© 






o 


o 


© 


o 


© 


© 


© 


© 


© 


© 


© 




© 


_ 


_ 


tl 




































•IBlidBQ qsB3 


o 
»n 

CM 

4» 


© 
© 


© 

© 


© 
© 


© 
© 
CM 


© 
CM 


© 
© 
CM 


© 

© 


© 

35 

CM 


© 
© 

CO 


© 

•o 

CM 




© 
© 

CO 


© 

- 
CO 


lC 
CN 


© 

CO_ 

— 


i, 


































o 

< 
o 

c 




2 
IS 


. 


. 


X 


CO 

a 

es 




. 


a 


5 
A 


i£. 


^£ 


M 


JZ 




% 


> 


Pi 






O 




Pn 




— 


£1, 






%t 


•u 


— 






• 
_cS 


a 

C3 


"5 


S 


o 

> 




o 

- 


«■ 


- 


o 


> 



> 







• 






J3 


CD 


■J. 


i 


• 

to 


- 


w 


.= 


^ 


to 


^ 


^ 


s 


5 


• 


h 


































fc 


































<J 


































Ch 


































a 


































o 


































o 






c 




























EE| 


. 


. 


es 


. 


. 


. 


. 


. 


. 


. 


. 


I 


. 


. 


m 


. 


o 






a 
















Cv 


"3 
>> 






>. 




< 


• 




73 

CD 


B 
eS 

a 


• 


■ 


• 






a 

B 


IS 


o 

— 
I 


o 
ft 


• 


— 


" 


* 




5 


E 




aT 










h 


— 




CJ 




^ 


•" 




>. 


C> 






CS 


cj" 


e! 






1=1 


X 


X 


<3 

-= 

y 

SB 

i. 


a 


E 


s 




"2 




4 


3 
CS 


p 


s 
o 

3 


a 

O 

- 


■ 
cS 


_o 


"3 


— 
■ 


•3 

4-3 


- 


o 




i 

'A 




— > 




X 


r- 1 


5-1 




U 


P 


3 
P 


^ 


fc 


^ 










INSURANCE COMMISSIONER. 



liii 






CO 

a 

e 
s 

3 



X 



P3 
< 



tf 



* 



pH ** 



I I I 



I I I 



3* 



a '§ 



i ,_- 



i i i 



i i i 



i i i 



00 jj 

5 £ 



P3 



o 


uo 


to 


t- 


^ 


<N 


_, 


,_, 


,_ 


C5 


CO 


eo 


•O 


00 


to 


"<* 


1ft 


co 


CO 


"* 


i« 


to 


<* 


Tj< 


OJ 


ut 


to 


T 


00 




■* 


O 


o 


IH 


»— 


G> 


eo 


o 


to 


CM 


iO 


eo 


o 


o> 


00 


i -1 


I— 


^* 


to 


© 


?-* 


C3 


I— 


<M 


oo 


00 


00 


t- 


00 


eo 


o 


lO 


-f 


eo 


to 


oc 


<N 


•* 


o 


oo 


HO 


»« 


to 


o 


to 


in 


to 


fc« 


•* 


to 


CO 


to 


00 


■* 



5& 



5 > 



Ph m 



od 



— ^- o 



t- i-i CO 



^ 






-i —I eo 



i-i o 
CO ■<* 

CO CO 



i-i cm eo 



— 
a. 



■a e. 

E 

s a 

r: - cj 



p t; 



% 



< < <; 



"3 


fc 




• 


• 


• 


o 










a 

es 

F 




•4^ 

a 




9 


£3 

3 






a 


c 


c 

C3 


3 
a 


o 




to 




w 










a 


*n 


It 


'S 


□ 




■ 


a 


0) 


a 


_C3 


to 

3 


rT 


N 


< 


<i 


<5 


<5 


P2 


o 


~ 



o 



liv 



REPORT OF THE 



o 
O 






e 

e 

e 



/ 



PQ 



o 

E- 


. = 








. 


1- 










— 












"x 1 s 








^ 


o 






















00 


5 E 


1 


* 


■ 


* 




1 


1 


1 


1 




1 


i 


i 


i 


1 


s 
































• h 


00 

a — 

Z B 




































•— I 


c^ 


?1 






















O 


3 > 


1 


i 


-1 


ti 


«- 


1 


| 


| 


1 


O 


1 












P « 






— 


•e 


<c 






















- 
< 








o 


C3 


«— 1 






















pa 


. -- 






































^ 


o 


oc 


-c 










r- 






- 








S 2 










— 
















- — 










i- 


i- 


1- 


ao 
























1 










1 


























g 


— 












-ri 














: --■ 




** 
















o 














































- — 


































►— 
































■ 

09 


































































- 


i 






Tl 




a 










r 












5 








o 


aj 


■r 




























o 


ca_ 


o 










t- 






~i 






■ 


5 - 


1 


i 


~r 




•o 1 


1 


1 


1 


1 


■C 


1 


i 




i 


1 


p 


- a 






o 


























pq 






• 














CI 












- 


































z 


































































2£ 


p 






© 


i-* 












t- 












■< 








i- 


ao 


CO 










■£• 












£ 


«S 


1 


. 


©_ 


— 


~^, 


1 


| 


| 


1 


r 


1 


. 




i 


1 








cT 


CD* 


ac 
























h 






-z 


— 


3 










rt 














* 






i- 


°t 


■■J, 










cp_ 






ao 














-r 












M 














■ 

M 






— 














«» 


















m 




























X 




































































** 




































































si 

- * 


- 


ri 


— 


o> 


SJ 


O 


— 


ao 


CD 


H 


■ 


— 


- 


~ 


H 


-T 


■* 


■0 




i~ 


CD 


■- 


ac 






T 






— 


■ 
































r. 
































IH 


































fc. 


X 


































a — 
































- - 


M 


— 




— 




H 


t— 






r— 


-> 














a 


ce 


— 




• 


t- 


CD 


ot 


t- 


ao 






i- 


-i 


J- 




































— - 


-ri 




— 


rt 


r- 


— 


ac 


■ 


ao 








i- 


— 




t- 






u- 








t- 


t- 




OB 


c: 


t~ 








^: 


< 


S . : , 
































~» 




































I_ — 




































ti 


i— 


33 


M 




>- 


u- 


. 


-> 


~i 


o 


wt 




r— 


- 






= 


o 




O 




— 


0C 


3 


i- 


13 


l- 
















9k 






— 


r- 


- v 




3k 


■ 


t- 




— 


i~ 




x 


































S 2 




rf 


= 




r- 


— 








O 




•Q 




-i 






co 




1— 








M 










«~ 






i- 




i "S 


t~ 


— 








C» 




t- 1 




CO 
















• 
































j — 


































































5 
■ 




»o 


ao 


M 


- 


oc 


OC 


tl 




CO 


m 


CO 


- 


i~ 




; 


a 


o 




r. 


t- 






r- 


i. 


n 




— 


O 


= 


— 




a - 
g c 
5 > 




M 


9 


C 


— 


^r 






t— 






r^ 






z 
































-^ 


~ 


:: 


t- 


r~ 


G 


— 


t~ 


n 


•=r 


- 




ri 






I 




© 




3C 




— 


CO 


»— 


ac 








T. 


■ 


~i 


- '3 


— 


r: 


— 


M 


rt 


•- 1 


i— 


>■* 


H 


r ~ 






•«* 


=_ 


^ 


- 


4» 


oT 












** 




^™ 










rJ" 


ft 


































pa 


































S 


= 


-<f 


CO 




t^ 


ea 




O 


•0 




r 


«- 


M 


~ 


= 


t— 






a» 


c-3 




u- 


--r 




- 


X 




t— 


- 


?1 


•s; 




-♦ 




2 


i~ 




rt 


= 


M 




X 


o 


■ 


i~ 


r- 


— 






o 










































ej 


oc 


00 


t— 


u-T 


o 


t- 


C5 


3C 


8 


ri 




^: 


— 










— 


rr 




- 


f- 






1— 


DC 


- 


r~« 


X 




* 


ac 


•*!• 


M 


<N 


e< 


o 


^~ 


'^ 


^ 


•o 


00 


i— 


- 








cs 


— 


pa 


© 


(N 


ri 


_ 


3C 


_ 


o 


oc 


n 




— 


t- 




as 




:: 


■<* 


S^ 


rt 




o» 


r- 


CM 




— 


— 




• 






X 


5» 
































ZS 


































"~ 




















































i 






















































































































L 


































*~ 
















JO 


















z 


















O 










^ 






< 


• 


" 


• 


* 


■ 


• 




~ 


>> 


• 


• 


• 


' 


— 


• 














o 






— 












-r 






■?. 








cT 


~ 








= 




« 




m 


— 


, 




: 








5 


" 






f 1 


: 




/ jT 


_ 


^ 


13 






- 








•1 


s 












— 

o 


JA 


z. 


m 






— 


1 


■ 




S 


-r 


• 




"5 


: 


• 




M 


~> 


■f- 


2 







-_ 






•o 


?. 






Q 


""" 


— 




^ 


X 


j* 


_>; 




w 


5 


• 


• 


— 

a 


■— 


o 


• 


^s 


B 


~ 


jjg 


- 


H 


b 


■ 

< 

- 




^ 

«- 

fc 


- 
1 


£ 


c 


— 

c 
c 


1 
- 
'r 


*x 
la 

~ 

5 


5: 

— 


o 
s 

X 
X 

< 

- 


X 

— 
< 


X 

1 

■ 


X 

- 


X 

r 
■ 


5 


- 






. 


c 


fi 




— 


Rn 


i 


— 


s 


— 


— 


— 


- 




^ 



INSURANCE COMMISSIONER. 



lv 



i i i i 



I I • • I II 



© O CO 
CO CO iA 

I— Oi 



1 ~ 



I I I I 



O CO 

© .-h 

i-h CO 



t- i— CM 



1— 1-- © 



10 i-h ^ 



00 •-! I-l 



i— i r-i CN 



C-l I- O ri 

•O CO O l- 

©" of CO t-T 

© i-h OS *— 

I-( i-l CM l-H 



lO t— •— 



l-H 


Ifl 


© 


© 


CM 


-r 


if5 


O 


<N 


© 


© 


CO 


eo 


00 


© 


© 


© 


Ol 


i— i 


^t 


© 


00 


N 


t— 


co 


© 


Ol 


CO 


O 


•rt 


lf5 


CN 


o 


»- 


-r 


Ol 


© 




in 




_ 


o 


oo 


o> 


o 


00 


© 


t- 


CO 


-* 


CO 


t- 


-* 


<M 


O 


i- 


<N 


CM 


-r 


CO 



Cl r- — 



Ci r-> l-H 



CO CO CM 

•>* i-l ri 



I- ©_ 

-T CO 



„ 


CJ 


■ 


*-• 


-= 


ct 


fa 


- 


m 


a 


_ 


fa 


01 


s 


r. 


t3 






S 


— 


c 


q 


s 






CJ 


n 


V 


u 










'J 


o 


3 


o 


a 



O o 

>> V 

§ 3 

5 6 



- 



■ 

e 
fc fa 



fc 9 3 J 



- § = 



> o .r- r: c: 

o ^2 2 E E 

o "*- ^ E 5 

« « O 5 J° 

HH HM I— 1 — — 

HH I— I l-H 1—1 1—1 






.» a a 



r. — — a 



A3 .2' - a 
s .2 S 3 



s a a s £ ^ a a 



lvi 



REPORT OF THE 



p 
o 






I 

a 

3 



* 



EG 
< 



o 


co " 














eo 


00 


lO 






oo 






— 


5 £ 














o 


00 


-r 






w 








■ 

09 

o 
u 

O 


i 


i 


I 


i 


1 


1 


I-t 


CO 




1 


1 


CI 


1 






00 

5 P 
















t- 


CO 












T 


o 


•S i 


i 


i 


i 


i 


1 


! 


t- 


t- 


Cl 


1 


1 


-r 


1 


1 


Cl 


< 


2 1 














CO 

■a 




CO 
OS 






cs 








» 


£ « 
















































i~ 


1— 


CO 






a 






l~ 




■ 














-r 


t~ 


s 












K 
















a 








9 










i 


i 


I 


i 


1 


1 


































-r 


■«# 


«~ 
















5 «S 














i— i 




t— 
















o <« 

■J ~ 














■/-■ 
















CI 


03 

00 


































































1 
g 


to . 














o 


00 
C) 


8 






3 






— 














■- 


ei 


c v 






CI 






CO 


09 


.5 .£ 


i 


i 


t 


' 


1 


1 


C0 


oo" 


oo" 


1 


1 




1 


1 




P 


"5 • 
Cv o 














CO 


















m 














CI 

4» 
















^ 


■ 
































R 


































































s 


c 














eo 


-r 


t- 






CI 








< 


© 














US 


CM 


:i 






■- 








a 
















t— 


t- 


-r 






l-^ 






— _ 


.ti 


i 


i 


i 


i 


1 


1 


-T 


o 


oo" 


1 


1 




1 


1 


e 




C 














-T 


CO 


00^ 

eo" 












Cl 


















7- 
















i—i 




■ 




































































3 
































o 


5 « 


i« 


-* 


00 


o 


f-H 


a 




CO 


co 






-r 


r— 


o 




* — 

5 £ 


•«■ 


•*!" 


o 


>Q 


o 


•^ 


■»*• 


T 


.-- 


•^ 








•^ 


-r 


X 

a 
o 
l3 
































O 


g -a 
5 ■ 


O 


CO 


a 


»— 


00 


CD 






I-H 


a 


CO 


Cl 


00 




i- 


o 


.5 £: 


o 


CO 


S 


O 


t— 


o 


i -1 


CO 


o 


a 


CO 




CM 


t~ 






a °3 


CO 


00 


^_ 


00 


o 


CO 


00 


^_ 


00 


CI 


■- 




■ 




__ 


£■1 


CO 


"* 


i~ 


CO 


o 




o 


■--; 


o 


t~ 






^C 






•«J 


r-t 






























M 


£ « 




































o 


U3 


CO 


00 


-# 


o 


-* 


a 


CO 


s 


■^ 




_ 


— 


s 






o 


-r 


o 


o 


I— 1 


a 


CI 


re 


.- 




i-> 


Cl 


— 




■ 


CO 


o 


00 


t- 


°i 


o 


:: 


OO 


«-o 


o_ 


t- 


K 


-r 


t— 






































&> m 
» 2 


t~ 


CO 


CM 


00 


oT 


CO 


-t 


CO 


s 


CO" 


s 


•r 


i- 


- 






t~ 


•»i« 


CO 


CO 


CN 


CO 


00 




oo 


T 






t~ 






5 5 


a 


t- 






-r 


CN 




" 


CO 


I-l 


CO 


CO 


Cl 


00_ 






►3^ 


«» 












f^ 












cm" 


— 




■ 

CD 

s 




— 


■"# 


■^< 


o 


CO 


o 


00 


oo 


o 


CI 


,_ 


CO 


00 


CI 


^ 


03 • 


l» 


CM 


O 


CO 




--: 


CM 


■c 


.- 






CI 


o> 




I-- 


a -a 
3 > 








l- 


a 


C. 


00 




CO 
i-O 


s 

-*• 


O 


CI 
CI 


-T 


CO 


03 

& 

cq 


© 


CO 


CM 


o 


o 


CM 


rt 


o 


— 


1.1 


r~ 


■^ 


Cl 


— 


r. 


2 1 




iO^ 


CM 


CN 


t- 


0» 


o 
cm" 


CO 


3 


CI 


CM 


o 


c» 


n 
cf 


oo 


w 


& « 
































« 


































£ 


Q 


r* 


OS 


CO 


00 


C5 


00 


CO 


o 


( 


--: 


CI 


s 


a 


:/: 


-r 




V 


Oi 


t~- 


CM 


a> 


QO 


CO 




oo 


a 


— 




c 




-T 


O 




o 


<- 


•<* 


u~ 


CO 


<♦ 


CO 




o3 


■<* 


l~ 


r^ 


c-i 


C 


00 








































■* 


CM 


C5 


UT 


■M 


o 








oo" 


►• 


-t" 


t- 


Q 


— 




- 


uo 


o 




CO 


00 


CO 


CO 


CO 


CO 


5 




CM 






1 




£ 


1— 1 


CO 




CC 


L- 


o 


I- 




cs 


cr^ 


r- 


co 


c 


— 


o 




































o 


o 


00 


t- 


CO 


1" 


t— 


>n 


r~ 


oo" 


00 


Cl 


oc 


?t 


- 




03 




to 


CM 


(N 


CO 


kO 


OD 


CO 


r- 


CO 


CM 


'-C 


~. 




-.1 




CM 


rH 










■M 




I-l 








:: 


CO 








m 


































































s 


































H 


































fe 


































<1 


































Cm 


































S 
















- 














= 




o 






^ 




%4 






eS 














o 




o 




^ 


— 

o 




_ 




O 














"3s 




o 


o 

ft 


o 

>— 1 


p 


5 

• 

X 


■ 

O 

CQ 


• 


55 

- 
— 


, 


, 


B 
C 


B 


, 


. 


JC 






^ 


*J 


A 




c 


B 




© 


~ 


;— 






3 




3 


* 

Q 

.2 


_S 


ci 
> 


s 

33 

— 
> 


-r 
3 


5 

3 

if 


B 
w 

— 


s 




> 
>> 

I 

= 




>; 


X 


9 

-r 
-- 


















.-; 






"3 




o 


^ 










3 


a 




o 


s 


a 


o 


— 


c3 


^ 


■, 


— 




— 






a 


55 


£ 


55 


te 


55 


55 


55 


c 


— 













INSURANCE COMMISSIONER. 



lvii 



1-7 ' rS 



& 



I ,_" 



■■).' 



•>* r-l i-H 



l-^" o cT 
i-H O O 
CO rH 'it 



» r-l 



CN — ' 



» rJ J ' 



CO 1-1 rn 



CM r-l 



" rH CO 







D O CD 

3» tf 22 



= CS 

a es = 

5 » B 

£ - °> 

rt fe O a," 

O _ — — 

3 — C3 

p » a fj £ 



6* 5 .5 

K 02 CO GO GQ Oi 



J5 



•— — aj 



3 - "- .^ 



~ r 



h 


e4 


ad 








fc 


GQ 


ES 


T1 


•a 


-3 


a 


a> 


o 














a 


a 


a 


P 


P 


P 



J3 



■s -s S H 

00 CD ■— j *• 



lviii 



REPORT OF THE 



s 



a 








x • 
































~ 9 


8 


o 


© 


© 


© 


© 


© 


a 


© 






© 








= "^ 


o 


© 


© 


© 


© 


© 


© 


5 
















o 


o 


© 


© 


© 


© 


© 


© 






— 












































o 


o 


© 


© 


g 


© 


© 


g 








ci 




ci 




T - 






<N 


© 


© 




c 


















2 - 


F» 
• 

































































E- 




s 

o 


iO- 


t- 




© 


iH 


r- 


i - 


CO 


CI 






K 




Cl 


■■z 




o 


I- 


o 
CM 


Cl 


Cl 


— 




ci 


CI 

CI 


CI 

r. 


T 








-1 


00 


- 


cn 


■<* 


CO 


CO 








c* 


:: 


-r 






CI 




fe 


a 


B 
































K 




































- 




































N 




































X 


































h 


B 


M 


*- 


I- 


5* 




co 


O 


o 




© 


00 


i- 


•— 


CI 


I- 


g 




c 


= 


11 


00 


CO 


Cl 


CI 


r 


•a 
© 


1 






<D 








■ 
g 


- 


:: 


T 


-r 


09 


CO 


CO 


CO 








— 


— 


— 




<i 


h 


c. 



































<; 
as 


L< 


- 



































t~ 


© 




cc 


t~ 


u- 


i- a 




i- 


1- 


Cl 


1- 


© 




© >c 


7- 


CO 


co 






:: 


t~ 


ci -r 


















X 


© 


-r 




Cl 


t— 


-r 


Cl C 


= 


• c 


i- 




K 


-r 




- 


;. 


© 


co 




r^ 


Cl 


— 


r- -r 


a 


>— ' 














M 


■-/.■ 































o >> 



W 



- 
"S 1 



■a g 

a 

■ - 

P 3 

- 5, 

J - 



«o c -- 



-»■ <M if 

i * i 



>c ^- 









>n t- i— t— oc 
i— i- — < oj e» 

tO 00 i-i -T © 



P« M 

— -T ©" 

i-^ r- CC_ 

r» c i" i :* 



— :: :i — 

^- i— ci re 







39 l- t— 
71 — O 

© i— t- «o eo 



— — — 



* 



<5 






= - 4. 



i- l« -- 



— — 



- _ — 






< S3 



- - 



INSURANCE COMMISSIONER. 



Jix 



c 


o 




© 


© 




© 


© 


© 


© 


© 


© 




© 


© 


© 


© 


© 


© 


© 


8 


o 


CO 


© 


© 




© 


© 


© 


© 


oo 


© 




© 


© 


© 


© 


O 


© 


1 


o 


TJ< 


© 


© 




© 


© 


© 


© 


© 


© 




© 


© 


© 


© 


© 


© 












































© 




© 


CM 




© 


© 


00 


© 


CM 


CM 




© 


© 


© 


CM 


© 


CM 


© 


s. 


-r 


o 


1ft 






CM 


© 
CM 


CM 


CM 

r-< 


CM 


l- 




© 


© 

CM 


© 


t- 


CM 


rH 


CM 








IQ 


CM 


CO 


© 


o 


s 


i-h 


<* 


i-h 


© 


i—i 


•# 


<M 


■*»• 


fc- 


ift 


00 


C 


© 


1 


© 


t— 


© 


CM 


i— 


© 


IH 


ift 


© 


CM 


•* 


© 


© 


OO 


CM 


rH 


-t 


oo 


1ft 


© 


m 


-t 


CO 


© 


© 


© 


_ 


t- 


i— i 


t- 


CO 


eo 


© 


us 


© 


t~ 


CO 


CO 


CO 


CO 


CO 


co 


-* 


co 


CM 


co 


CO 


CM 


CO 


CO 


eo 


eo 


eo 


CO 


CO 


CO 


1- 




Ol 


t— 


© 


l- 


© 


CO 


o 


00' 


CO 


ift 


** 




oo 


i— 


© 


© 


»- 


t- 


00 


© 


o 


T 




t— 


CM 


00 


CO 


CM 


00 


t-> 


■>* 


© 


CM 


00 


© 


CO 


© 


CO 




CM 




OS 


© 


© 


t~ 


<* 


© 


CO 


© 


© 


© 


OO 


© 


© 


© 


CM 


1— 1 


© 


co 


■* 


'.'. 


CO 


CO 


CO 


■<* 


co 


CO 


CO 


CO 


CO 


eo 


■* 


CO 


eo 


■>* 


-# 


co 


CO 


1- 




-f 




oo 


© 


CM 


CO 


© 


t~ 


© 


© 


© 


© 


CM 


© 


© 


t— 


r-< 


oo 


lO 




CO 


US 


»ft 


© 


rH 


t- 


o 




© 


o 


00 


CM 


t- 


i» 


i— 


© 


ift 


CM 


CD 


CO 


o 




1ft 


1—1 


© 


fc- 


00 


© 


■*r 


00 


eo 


© 


© 


CM 


■>* 


CM 


CO 


© 










































-+ 


00 


-r 


— 


oo 


1ft 


00 


© 


© 


© 


vft 


-* 




CO 


CO 


00 


»n 


i-i 


1— 1 


t- 


ce 


CM 








CM 


t- 




© 


© 


kft 


© 


co 


CO 




eo 


© 


CO 


eo 


© 


-* 


o_ 


CM 




I-l 


I-l 




© 




-f 




rH 




CM 


© 


•■* 


rl 


CM 


1-H 


h* 


eo 


© 


CO 


-# 


© 


l^ 


© 


r-i 


1ft 


•* 


** 


CO 


CM 


CO 


1— 1 


!— 1 


-» 


ift 


t— 


© 



I I I I 



O i— r- 



I ~ 



CM rH 



fc 



s c . 



3 


ea 


gg 


8 


a 


q 

C3 



.a 



j 
& 



« u 



.2 « 



S fe 

£ .2 



o 5 



EQ 



= * o 

o * *• 

o "3 o> 

o q a 



.O 




D 


85 


CO 


61) 


'3 


S 


e8 

— 


O" 


C3 


rt 


W 


fc 


fe 



<5 £ 



— — — 



J4 ■— — 

^ .2 w 



tl j - 

qq ^-^ HH 

"a a a 

a 



S 



h a »j 



■2 fe 



s a -* 

a, ew 2 

S: s 2 2 « 

r< ^ rl rl O 






gg 


J= 


y. 


CJ 


4) 


£ 


■— j 


a 



© o © o o 



lx 



EEPORT OF THE 



T3 

o 
3 
a 

= 
o 



«0 

e 



<4J 



8 
I 



- 
- 

< 





T. 






































~ 


— 




Q 


© 


o 


o 


o 




© 






- 




© 


X 
= 




f 












© 


o 


© 




© 


8 


© 




© 




_ 




X 


s 






© 


o 




o 


o 


© 


© 


© 




a 


c 




9 


■ 








tp 


© 


o 


© 




CO 


© 


01 


© 


1 - 


a 


/■ 




' 












o 


B 


•o 


CI 




01 




01 


CO 


— 




















eg 


n 


-T 


























Q 


- 




*fr 






























o 






































H 






- 
E 

a 


© 


■a 


«* 


C5 


CO 


f— « 


•0 


■ 


01 


f 


CO 


01 




— 


— 


US 
H 




X 

1 
p 




© 

aj 




Ol 

y 


o 




CO 


•x 


© 


1- 
© 


- 
— 


s 

— 


01 
01 




OS 




J- 


ct 


ci 


CO 


ci 


CO 


:: 


01 


CO 








:: 








z 




o 


r 
































a 






































- 






































H 








































X 


































fa 




E 

- 


— 


H 


►~ 


t- 


-r 


CI 


01 


00 


1 




l~ 


r 




i - 




c 


; 




B 


8 


(O 


-r 




:: 


00 




1 


00 






^~ 


-r 




c 




= 


^ 


:: 


CO 




© 








c; 


© 


re 


i- 




• 


_ 








n 


-r 


:: 


CO 


:: 


— 


-r 




— 








:: 








h 






B 
































•< 




- 


0> 
































K 




- 


- 








































01 


a 


r. 


01 


- 


— 


CO 


— 


- 


8 


i- 


01 




i- 






X 

- 






■a 


00 


.- 


ci 


5 


— 


CO 


-■ 


1- 


00 


- 














o 


S 




-r 


i- 








■ 




K 


— 














































X 










o 


O 


CO 


e 




-■ 


— 


— 


— 


T 




s 






- 






9 


ao 


i - 




:i 


k- 


-T 






— 


CO 


© 


s 




— 




9) 






T 




oc 


■a 


M 




















1 1 




— 

H 






«f 


— 


r-" 


i- 






























































<— . 






































o 








t— 


00 


(C 




© 


M 


— 




r- 


-. 


00 


— 


" 


l~ 


















- 


ao 




— 




j: 










o 


-- 








— 


— 


cc 




l~ 


a 




© 


01 


— 














































IS 








© 


CS 


o 


r 


i- 


CD 


GO 


© 


01 














■ 












cm 




CO 








^- 




— 




01 






a 

W 


— 
s 
Q 


_ 



— 




1 


01 


CO 


CM 


1 


1 




1 


1 




1 


1 








- 




X 




t- 


o 




01 


ao 




~ 




01 


r. 


— 




01 


— 




T 








r~ 




I- 




Ol 




E 


i- 






t- 






lO 














-1 


00 


LO 


CO 




CO 






01 


/■- 


01 






■ 








































o 








01 


K3 


PH 


^- 


<o 


— 










■ 


01 


01 










— 




— 


— 


— 


— 


I— 




*r 


:: 


cm 


— 




01 






1- 








ro 


— 




© 










01 


— 


















































p 










:? 


-r 


CO 
























w 




.-_ 




>g& 






























o 




- 










































ar 


I- 


t~ 


OO 


r- 




01 


1- 







1.0 


r- 




l- 












E 


r. 


3D 


00 


00 






01 




- 






01 
















£ 


01 


00 




■a 


CM 




01 


01 




■ 




r- 










































D 








■3 


-r 


Ol 


— 


CO 


i~ 


r. 


i- 




ao 


■ 


■ 


X 


r 














■ 


O 


w 




r— 




01 








© 


r 






i 




a 




01 


© 


CI 


re 


CO 




i-i 


:: 


01 


■«* 




:: 


i-0 




l- 




















































IO 


CO 
























- 








•£■ 




















































































































































H 3 

- c 

£ £ 



= g 



s -- — _r ~ 






_ ^ - 



& ~ 



» 



c a g 

= c J 

— — . — 



■ 



= y w 
- ^ ^ 

S S S 



S 



o H S J* 

— — — ~ 

- t I I 
s is s s 



INSURANCE COMMISSIONER. 



lxi 



<M <N OJ C» 



o ^ -^ 



© © 


iO 


t— 


00 


10 


t- 


<M 


o> 


a 


>» 


eo 


o 


00 


© 


<M 


I-H 


o 


<M 


t— 


QO CD 


00 


•<*" 


<M 


lO 


I-l 




05 


© 


© 


i« 


00 


o 


-r 


iC 


00 


r- 


CD 


<* 



CO CO CO C3 



© I- l-H 



C* i-H 



•^ rl r-t 



H I 



C0_ F- 

co" <-T 



© <M (N oo 



^ ^ 



S = * .5 



fe _ - 



= - 



fc 



a 
£ 

w 

<u 



> 



fa £ 



•/. 



sb r 1 S S 



£ fc fc 



O fa 



>» 

c a, a 

a o o 

a> cj -C 



s 

J 1 



a 



flj 2 



3 33 O 

<U S) o 

^ ^ ^ 



lxii 



REPORT OF THE 



a 
i— i 
o 
a 
o 



55 



X> 
<» 
•ea 

a 

s 
e 

^» 

3 



a 
- 

< 





X . 


































-r "C 








O 








O 





2 







e 





O 


s 







— 9 


8 





O 








O 










B 





O 


B 




Cl 


m O 3 


©_ 


O 


q 


o_ 


O 


©_ 


o_ 


1 







5 


O 


O 






~ "3 JS 





-r" 


O 


CO 


10 


m 


0" 


CJ 








0* 




-* 


* 


1 


° > | 


5^ 


■~z 





FH 


^ 


t-i 




iO 




CM 


Cl 





CC 




* 




5 Q 
































m 







































H 


■ 2 
s 

O 


ia 


r— 


00 





iO 


PH 


to 


h- 


00 


CI 





^-1 


J— 


-r 





•>» 


CD 
Ed 


MS 


a> 


to 
c. 


in 

CO 




Cl 


-r 


r»i 


CO 








— 
a 


1- 


-y. 


CC 
Cl 


IS 


CO 


CO 


ci 


CO 


CO 


H 


^ 


co 


CO 


CO 


CO 






Cl 


eo 








































X 


































&. 


d -o 

s 5 


Cl 


m 











Cl 


-- 


t- 





Cl 


CO 


»n 




«— 


>t 









>o 


-r 


1- 





r- 


:t 


«n 


CI 






CM 


; ^ 


— 


1- 


Cl 





a 1 


t- 


t— 


-1 












-r 




r. 


B 


r- 










< 


:: 


co 


CO 


CO 


-T 


CO 


O 


CO 


T 


:: 


-r 




-T 


-.- 











1—1 


O 




ej 






1- 


— 






s 


Cl 


1- 


Cl 


•- 




CO 


Cl 


-r 


CO 





F— 


Cl 


■ c 


CI 


— 


— 


- 1 


s 


■z 


— 







•M 


O- 


■** 


K 





S 


e 


f 


■- 


CO 






-T 


1- 


9 


CC 


00 





O 


ci 


O 


— 


t— 


CC 


-r 


c-. 


■ — 


■r. 


^ 


/• 


■z 


— 


— 


a 


r-l 


CM 





a 


OJ 


l- 








a 


s 






— 


— 







- 1 




CO 


cm 








CM 










— 




Cl 


— 


P* 


«& 






























(O 


M 
































CI 


- 
































fr 


«<-i 


































O 







Cl 


r. 




O 


r. 


:c 


t~ 


r. 




O 


Cl 






X 


ti 





Oi 





i~ 


■n 


GO 




CO 


Tl 


— 








K 






° >> QJ 


r* 


Cl 


35 


© 


a> 


^* 


t-^ 


CI 


— 


C5 




K 




— 


* 


- 


r. a s 


->■ 


T— 1 


1-^ 


c. 


f.4 


<T 


M3 




ae 


CC 


re 


— 




— 




■z 


00 = - 


K 


t- 





1 


CI 


CI 




:: 


CI 












«n 


- 


O 


m 


I 




1 


1 




1 




1 


1 


1 


1 




| 






y — 




| 






1 








1 




1 






1 






H "§ ~ 


1 






























'4r 


Q 


































■2 £ 




ci 





Cl 


^ 


~ . 









^ 


t- 




t~ 


■- 




- 


£ 


>ra 


50 


CM 


00 


5 


c: 


e 




-1 


CO 


uC 




~ 






£ 3 


0* 





Cl_ 


O 


(O 


CO 


c _ 


-!■_ 


t- 


■^ 




— 


r 


■- 






































O .- 


«g 


r-. 


0" 




00 


:: 


y" 


0» 


— 




Cl 






1 — 


»- 


— 


od "O 


•- 


-r 


Cl 


O 


r 




CO 


— 




Cl 


t— 




1 - 




j- 


CC 


to 


■* 


Cl 


t~ 


CM 


Tl 




c 


CO 




c« 


r— 





Cl 




-+ 


■ a 



• 




,-T 




















,-T 






» 


































1- 

• 


H 


































J3 


to 




Cl 


cc 


O 


ao 


BJ 


M 


at 


— 


— 






_ 


_ 




OB 


CC 




O 


T>< 


CI 


QO 


to 


— 


CI 


t~ 


r 




s 


ci 


•3 





_«5 © 


OO 


Cl 




cc 


1~ 


o_ 


CO 


t- 


BO 


•^_ 


CI 


B 


-T 




c 


« 


































u E 




CO 


Cl 


■>* 


%: 


0" 


CI 


cf 


-^T 






r 


Cl 


cT 


s 


t-^ 


O 


I— 


Cl 


•o 





— 


CO 


00 


ao 




-r 


Cl 




t- 


CI 




S 


B 


99 


CO 


t- 


CI 


T1 






CI 




CM 


t- 


^ 








as 


•> 




,_7 




















pj 








































oc 


1 
































* 


►J 


































55 


































«J 


































cu 


































a 





































































O 


































Eci 





































































H 


































a 













^ 


_ 




















< 


































* 






5 






d 


ja 










■£ 






— 






• 


• 


^ 


l _ r 


• 


— 




• 


• 


■ 


B 


>> 


-" 




>-. 


• 






_T 


s 


5 




& 


jj 






— 


s 


^^ 


~ 




- 












g 






















_tf 










p 




O 
£ 


g 






E 


I 

s 


a 


r 












fa 


Cj 


£ 


"* 


^^ 






*; 


3 


3 


X 


. 


— 


1" 




£ 









«3 

eg 


_* 


s 


"jo 


• 


fa 


CQ 


X 


- 


= 


- 


5 




49 

3 


so 

a 


3 

at 


Pm 




-a 


"S 

5 

49 


a 


z 


a 



I 


-r 


-r 

D 


e 

1 


z 


£ 


E 1 







■£ 








3 




■i 










■ 












X 


CE 


7. 


QQ 


>> 

QQ 


- 


_p 


— 


3 
- 


p 


•5 


_ 


l* 


> 







INSURANCE COMMISSIONER. 



lxiii 



a 












s 


■H 




6 
8 




1— 1 




a 




u 
o 


C 




• 


■ 




« 


Ci 


3 


d 


"S 


00 

l-H 


— 


ad 






3 


■ — i 


u 


CO 


CQ 








i 


>» 


6 




M 




o 




a 





- 




<3 

Hi 

3 


so 


72 

- 


w 


l-H 
OS 
00 


a. 


— 


rH 




- 




3 


X 


CO 


w 












■ 








.-.J 






















a 


:3 














3 










~3 © 



C3 

o 



- 
a 
o 

s 

Bq 

C 

H 
<4 



c© 


w 


CO 


ira 


t— 


o 


o 


I— 1 


-r 


CO 


© 


© 


■* 


-t< 


o 


o 




•o 


CM 




o 


-f" 


*n 


CO 


O 


o 


o 


o 


CO 


-T 


1— ' 


cr. 


o 


CO 


cm 


*■* 


Tj< 


CO 


t- 


© 


t— 


CO 


lO 


l-H 


CI 



•€©■ rt - 



r-c i-i CM 



^- © l-H 



CI i-l rH 



.3 
CJ3 

3 3 



0) _« 



3 « 



03 o 

a j a ^ 



2 a a 

p< O O 

- 




.^ o 

i-3 



C3 

a 

=0 



.2 •« 



3 
O 
►H 

«tH 

o 



-< « 



o K 

1 '"*. 



-, 


8 


a 






— 




50 


93 


sd 



= = 3 3 



= J 



<3 ea 

3 60 - .~ 8 



:3 3 ■- 



.3 *; 



O O 



___:_' 



"3 <J < 
gas 
3,00 



iJ _J _J 



o 


o 


i« 


1—1 


© 


00 


CM 


CM 


CO 


t- 


U0 


.— c 


o 


CO 


o 


»o 


CO 


-f 


•^ 


o 


CO 


© 


CO 


CM 


■^ 


CO 


t- 


o 




CO 


o 


-t< 


CO 


o 


* 


I— 


00 


CO 


-f 


CO 


1—1 


C3 


CO 


o 


CO 
































iO 


CO 


CO 


-r 


>o 


CM 


CO 


o 




3 


■H< 


i~ 


-f 


00 


-t< 


•* 


T 


CM 


CM 




T 


t- 


t- 


o 


O 


-f 


-r 


CM 


■a 


•/-• 








r— 


CO 






i.O 

1 




CM 


CO 


1— c 




rH 


o 


o 


.o 


rH 


CI 


CO 


CM 


Cl 


-* 


»— 


iC 


1— 1 


O 


CO 


© 


o 


I- 


-f 


-* 


o 


CO 




CO 


«^ 


~i> 


CO 


I— 


o 




CO 


o 


CM 


CO 


o 


■* 


t- 


CO 


CO 


O 


CO 




o 


55 


o 


CO 
































»ft 


00 


CO 


-J" 


lO 


CM 


CO 


CO 


00 


-Ti 


-t" 


iO 


-f 


00 


-f 


-f 


-t< 


CM 


CM 




-* 


t— 


o 


i— 


CO 


C5 




-f 




iC 


CN 


lO 


CM 


co 


© 


iC 


CM 


"* 


CM 


CM 


CO 


CO 


1< 


CO 


CO 


«fr 




















o» 










CD 


co 


CO 


-* 


CO 


CM 


CO 


© 


o 


C3 


-f 


Ol 


-f 


1— 1 


1—1 


O 


-r 




CO 


o 


CO 


-* 


l-H 


CO 


UO 


-r 


CM 


© 


CI 


o 


O 


co 


t— 


o 


CO 


CO 


U0 


o 


CO 


CM 


uo 


00 


CM 


CM 


1- 
































Ol 


© 




CM 


CO 


b- 


© 


1— 1 


CO 


cr. 


CO 


-i> 


CO 


CO 


co 


© 


o 


CI 


-* 


© 


*— 


CO 


U0 


CO 


>« 


00 


00 


o 


CM 




€& 


»« 


-* 


CO 


CM 

CM 


00 


00 


© 


or 


CO 




oo 


1— c 


i— 1 


o 



lxiv 



REPORT OF THE 



-~ 
a 

c 

o 

O 



1 



so 

HO 

*«■» 






2 


«— . 










































Q 




■ 


o 


«> 


.- 


© 


— 






1- 


© 


■ 


y 




p4 


— 




_ 


01 




-T 


5. 






— 




l- 


-T 


I- 




Tl 






' 


1- 


Tl 


Tl 












00 




-• 


1-0 




© 


3 


Tl 














© 



















































:: 


-i 




— 


r^ 


Tl 




-r 




-r 


— 


Tl 












J 




B ~ 


at 

OC 


Tl 


cs 




iT. 


1- 




-r 


Tl 


eo 


1 


c 


K 




Tl 










• 


1 




00 


PH 


Tl 


Tl 


to 




9 










Tl 


H 




r* 




:- S 


















F< 






















2. 






































m 




g,«3 


eo 






































OB 










































6 


5* s 




■ 


o 


o 


_ 


© 


-r 




- 


i- 


- 


r 


00 


~ 




-r 










— 


o 


© 




-r 


CO 


t~ 


i - 


-r 


-i 




rf5 


Tl 


i - 


-. I 


T» 




i 


~ 


r ~ 


© 


00 


pH 


9 






_ 


00 


Tl 








•-: 






00 


CS 


— i 


w 


I— 


© 


— 


rM 


Tl 


t- 




© 


-*■ 


s 


Tl 


p^ 




prt 










r- ti 


1- 


© 




t- 




— 




co 


1 




r 






Tl 






© 




e 5 


at 


Tl 


Tl 


© 






i-T 


1 


01 




t- 




Tl 




— 








IT 


00 


■^ 






I— 1 








" 




" 
















oo 

4» 


~ 


M — 


CO 






































DO 
















































o 


CO 


>o 


CO 


s 


— 




- 


Tl 


V 


— 


f 


— 


Tl 


k» 






Tl 










_ 


«~ 




O 


Tl 


© 


CO 






— 






i- 


| 










-r 


iO 


~r 


■z 




:: 


Tl 




© 


oo 








'.-. 




— 




© 




o = 
£ 2 


— 


1- 


-.-. 


© 


© 


s 


© 


i~ 


o 


00 




Tl 




- 




^_ 


1- 








CO 


<o 


© 


:: 


CO 


O0 




:: 








Tl 






s 


— 


t; 




• 


I— 1 




OS 


o» 




J- 






-T 


-r 






^~ 


— 






© 




























































-t 




















o* 








































TT 




— 




































» 


1 




00 


:: 




00 


— 


oo 


© 


Tl 




r 


tN 


© 


-r 


00 






Tl 








• o 


© 


00 


K 






© 




© 


v~ 


■ 




«o 










5 




i i 




IG 


S 


-r 




© 


Tl 


y 


Tl 












© 


y 


















































o £ 




— 


— 






Tl 




i- 


c 






t- 




1- 


- 


— 












i 




■~ 




© 




Tl 






— 


O 


1- 








Tl 








& < 




CO 


■<f 


Tl 


© 


00 




:: 


Tl 


Tl 




Tl 


1« 


CT 


— 














■x- 






:: 


— 


I-! 


Tl 


c 




- 


c* 










— 


~" 










































fir 




m 








































.£ <— 


f— 


i- 


l~ 


(C 


-f 


© 


■ 


a 


© 


00 


© 


— 




- 


r- 


Tl 


1- 


Tl 










uo 


:: 


t- 


© 


-T 


— 






■r 


Tl 




r 


oo 


-" 


— 






— s. 


■8 




Tl 


ID 


i— 


9 


—r 


— 






1- 


■ 


— 




t- 




-• 


r 




7t 


' O 


00 


_ 


00 


a 


Tl 






— 


CO 


^m 


Tl 




00 




r_ 


"t 


f 




r— 


9 






TI 


Tl 


c-S 




— 


B 


Tl 


t— 


— 


1- 


i- 










a ■-■ 
3 « 


M 


OS 

© 


■-o 


00 


l~ 


■a 


■» 


S- 

— 


I- 




J- 


Tl 




— 


r_ 






Tl 




1 ■£• 






© 


■a 


K 








5 






CO 






Tl 


* 






- s 








:: 






Tl 


© 






CS 


















3« 








































































1 


«> 








© 


© 


© 


© 


_ 


_ 




© 


o 


© 


_ 


© 


s 




© 


© 


1 










o 


© 


c: 


© 


c 




© 




■=. 




© 


© 






© 


=: 










9 


~ 


© 


© 


© 


2 






© 


© 


= 


© 




— 


_ 


= 




1— 


















































© 


© 


© 


© 


© 


— 






- 


— 




Tl 


- 














5 


o 


© 




© 


© 


© 




— 


_ 




= 




















:: 


<M 


CM 


Tl 


CO 


rr 


Tl 


CN 


TJ 


I- 




Tl 




Tl 


Tl 


"* 1 






~ 




* 





































0^:00 

— — — — 

S i £ i i 



= - — 



jq - 9 - 
o a o e g 

"k — ~ — -£ 

E. a • a = a • fl • « 

= = ± = = =.-=.!:- 
i?:-:^^^ j »j EC j kj 



= 5 = = = 

2 r - ^ = - = 



< 

z 

- 

3 









k 












- 




-> 
















m 


9 


i 










-Z. 




>> 
















t3 








B 




















U 






S 


tJ 


.- 




^ 




















- 


1 


• 


3 




. 


^ 




~ 


— 




T" 












a 


• 



■— 

— 




"1 


1 
< 


= 


X 

1 
< 


• 


tc 






^ 


= 


• 


^ 


-" 


— 

I 
I 

< 


- 


. 


eg 




— 








H 


— 




s 


«a 


S 


X 


— 




— 

a 


_= 




— 

E 




i 






"5 


■ 
— 
•a 


- 


1 


1 


r 


§ 


J 


■ 


B 


Bl 


s 





a 


c 


- 


O 




— 






p 


c 


H 


^ 


^ 


S 


^ 


^ 


fc 


fc 




-•i 


•- 


X 


X 


r- 


r- 


— - 


— 


P 



— r 



INSURANCE COMMISSIONER. 



lxv 








a 


H 


ja 


«5 




■ 




CO 




B 


O 




£ 


Em 


<e 




o 


F 


73 


o 


3 




•-H 






H 


e 


i) 


£5 


O 



o 

CO 


CM 


OS 


CO 
CO 






o 


co 
o 


cm 

co 


CO 


I— 


-r 


CM 




CM 

CO 


CM 

O 


oo 

CO 
CO 

eo 


to 

CO 


1 

o 

I— 


00 

-f 

CO 


-f 

8 


00 

CM 

CO 


1-H 

OS 


co 

00 


X 

oo 


<* 

o 

■a 

CO 


o 

OS 
CO 


o 

9 

5 


i— i 

CO 


OS 
00 

00 
CO 



x ^ 

l— J ** 



6 



•5* 

I 

V. 



ho 

e 



S"0 

s "3 






€©■ CO 



CO i— r- 






i-i ri i-l CM 



CO i— i i— i 

h Ol IN 

o_ » rH 

oo" co" i-T 



CO 1-H 



t- «# t- 

^ ^ "*. 

1-H OS OS 

^H CO 1-1 

i-l r-( •«* 



CO 1-H 1-1 



&- z 
-« a 

H 





cJ 


o 

— 


s 

o 


o 


3 




t— 1 


og 




g 


T3 






3 








09 


o 


-. 


« 



1-1 1-H I- O 



pa 

PC 

— 



h 







S a 




« O 


xcee 


Is 


H 


Q "S 




, 


X 


T3 


a 


3 ? 

o 9 


o 


hi 

3 


^ 3 

X 43 




H 




. 3 




oo 5 
x 3 




P 




- i> 




O 3 




>H 




£ 




< 












59 




O 




o 




fm 




O 




H 




s 



^ CM 



ri t- CM 



— ^- CO 
CM CO i-i 
€©■ *» I 



CM 


CO 


CO 


t- 


00 


-* 


**• 


OS 


00 


CO 


00 


OS 


o 


CO 


CO 


CO 


t- 


CO 


1— 1 


CM 


c; 


iO 


-f 


o 


m 


M 


—. 




CM 


o 


-* 


C0 


Iftl 


1-H 


00 


CM 


os 


•<* 


Os 


00 




-T 


1-H 


I— 


00 



1-H 1-H I-H CM 



i-H H CO 

^ ^H* 



CO CO i-H CM 
O CM CM ''. 

1-H O -h rH 



r- r- r._ 0O 

r-T i-T i-T CM" 



^ 



5 x £ >» 



fc 



<5 « 



"3 _ 
5 | 

o g 

S 

o 



< C£ 



- "^ — .b 

S * 

« a 



" 3 .3 



s Si 



09 .Z 



o . 

O cu 
t. o 



s a e 



^5 2 



lxvi 



REPORT OF THE 



o 


X 


a 
■ 


CO 


/. 


*j 


O 

i-3 


ed 


* 


N 


X 




c 


B 


— 







> 


•< 


01 

■— 





— 


t~ 


o 


CO 


© 




?•> 




OS 


1 - 




ci 


e 


■ 


•j 








-i 


© 


to 


o 


to 


-T 




CO 




CI 


.-. 






9 








— 


■a 


(O 


-* 




QO 


-* 


•B 


r 


| 








-. 


ce 


/ 


M 






94 


— 


o> 


oc 


-T 


-r 


OJ 


© 


1 


CO 


H 


i 


5 


»- 


-• 




00 


c 


s 


■~ 


,_| 


__ 


pa 


-* 


-.-. 


9 


-.-. 


-r 


£ 


- 


- 


i - 




— 


-r 




to 


1— 




to 


«o 


CI 




9 






i — 


•-; 







- >-> -r 



^- ci — 



a i- cc 



.5 « 



/.• 






.- 


5 


WO 


00 




? 


i- 


CI 


ci 


9 




w 


o 














c= 


-p 






i- 


>c 


-r 


00 


-1 




- 1 


CI 




CI 


** 



CI — 

-T lO 

— * ~. 



— r~ r 



X — 



ci © c 



© T_ 



M i-i i-i 



n ©» 



10 2 

§ S 

£ o 

o i 



£ H 



a — 



— re ci 



CO CO O CO 



— 



© — 



— 








2 




1- 




-i 














— 


— 








• 



5 § B 






•» 



i-* — c-i 



— — « O 



■5 © 
1 CI 

re 


X! 

-f 
3C 


o 

to 
3 


— 

© 


l~ 

re 


-r 
O 


CI 

to 


-- 

s 

— 


•-C 


9 
•<* 




— 


— 
- 


— 


CI 

— 




-i 


r— 


w 


x 


■~ 


-T 


e 


to 


-r 




CO 


— 


*-c 


3C 




g 


t- 


= 



a 



— CI — 



n i-i CO 



4, 



- — — 



Cl — 



-f __ _ 






:c_ — _ 

cT r-T 



^- •— T 



- = - 



< 5 



if ~ 
5 



_ < 



03 



OJ .Z. £ 



O ■= — « 



2 S * 55 fc 



£ £ § I 



• - - a • 

= = - — 

s s as s 

2 J «* S IB 

S = x = r- 

= i S -2 -r 

X r- r- — — 



INSURANCE COMMISSIONER. 



lxvii 



Table XIII. — Massachusetts Business for 1891 
Massachusetts Mutual Fire Companies. 





Risks 


Premiums 


Contingent 


Losses 


Losses 


NAME OF COMPANY. 














Written. 


Received. 


Assets. 


Paid. 


Incurred. 


Abington, 


$3,090,245 


$43,802 


$43,802 


$19,973 


$1S,250 


Annisquam, 


81,375 


- 


5,307 


- 


- 


Arkwright, 


35,348,453 


284,616 


1,423,079 


122,581 


124,345 


Ashfield, 


7,294 


34 


218 


- 


- 


Attleborough 


510,441 


2,594 


5,188 


2,930 


400 


Barnstable County, 


1,734,034 


29,188 


87,567 


6,493 


6,493 


Berkshire, 


1,743,802 


23,452 


23,452 


5,955 


5,955 


Boston Manufacturers', . 


42,964,296 


353,881 


1,769,406 


239,568 


241,812 


Bristol County 


417,575 


2,856 


27,404 


1,146 


891 


Cambridge, 


3,452,948 


51,313 


51,313 


15,175 


15,175 


Citizens', 


4,759,181 


62,834 


62,834 


17,434 


17,734 


Cohasset, 


81,140 


1 ,243 


3,730 


5 


605 


Cotton and Woollen, 


6,302,850 


58,374 


291,870 


12,462 


12,589 


Dedham, 


1,141,592 


16,660 


16,759 


6,028 


S,477 


Dorchester 


7,142,321 


105,698 


105,698 


36,732 


35,782 


Electric, 


1,147,232 


11,093 


55,467 


. 352 


500 


Essex 


611,103 


9,694 


9,694 


2,370 


2,479 


Fall River Manufacturers', 


12,153,695 


105,192 


525,958 


34,554 


35,068 


Fitchburg, 


6,953,037 


106,988 


106,988 


44,546 


50,558 


Franklin 


1,070,689 


13,584 


13,584 


11,581 


10,272 


Groveland, 


296,332 


_ 


20,926 


2,199 


2,199 


Hampshire 


803,799 


11,312 


11,312 


6,447 


5,947 


Hingham, 


5,784,754 


84,358 


84,358 


26,803 


25,653 


Holyoke, 


8,472,497 


119,072 


117,670 


50,619 


51,816 


Industrial, 


965,033 


7,434 


37,171 


6. 


134 


Lowell, . . . 


1,416,712 


20,908 


20,908 


8,038 


8,038 


Lynn, 


418,267 


5,656 


11,313 


167 


167 


Massachusetts, .... 


2,769,918 


21,374 


21,374 


15,811 


15,994 


Merchants' and Farmers', 


6.328,571 


92,686 


92,686 


29,211 


29,698 


Merrimack, 


7,039,393 


105,681 


105,681 


35,789 


39,290 


Middlesex 


7,172,276 


105,137 


105,137 


38,691 


37,14S 


Milford, 


686,531 


8,866 


8,866 


7,206 


7,143 


Mutual Fire Assurance, . 


949,750 


14,101 


28,202 


2,030 


2,030 


Mutual Protection, .... 


264,837 


3,039 


3,039 


1,254 


1,269 


Newburyport, 


84,080 


1,168 


4,674 


117 


167 


Norfolk 


3,651,515 


53,694 


52,186 


16,865 


16,865 


Paper Mill 


2,018,617 


20,402 


102,011 


860 


9,452 


Patrons' 


84,438 


596 


1,788 


4,858 


3.S12 


Quincy, 


7,750,092 


109,638 


109,638 


24,749 


26,454 


Rubbtr Manufacturers', 


2,867,358 


26,906 


134,530 


10,629 


10,7 57 


Salem 


519,950 


7,846 


7,846 


2,174 


2,174 


Salisbury and Amesbury, 


36,620 


304 


3,040 


30 


30 


Saugus 


1,037,450 


- 


128,097 


2,204 


2,204 


South Danvers 


138,263 


3,207 


9,621 


730 


730 


Traders' and Mechanics', 


7,811,153 


118,588 


118,588 


39,183 


86,886 


Wachusett, 


744,282 


10,479 


10,479 


638 


638 


Westford, 


48.100 


377 


1,131 


890 


- 


West Newbury, .... 


286,772 


- 


15,772 


603 


- 


Worcester Manufacturers', . 


13,111,165 


109,776 


548,882 


5,564 


6,058 


Worcester Mutual 


8,150,049 


115,601 


115,601 


40,077 


36,876 




$222,421,877 


$2,461,302 


$6,661,845 


$954,327 


$966,514 

i 





lxviii 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1891 — Continued. 
Massachusetts Mutual Marine Compaxii 



NAME 


OF 


COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 


China Mutual, 






-'•6,333 


$335,670 
123, 704 


$298,044 
89,263 


$156,361 




$27,205,349 


$460,374 


7,307 


$242,104 



Massachusetts Joint-Stock Companies. 
Fire Business. 



American 

Boylston, 

])\\ elliny House 

Firemen's Fire 

First National 

Mercantile Fire and Marine, 

North American, 

Springfield Fire and Marine, 


$6,910,311 
8,987,369 
3,610,451 

7,015,831 
4,376,563 

4,200,631 
10.125,580 
16,S47,668 


$65,629 
80,811 
21,194 
53,522 
57,302 

35,112 

81,298 
1C7 


- 

39,160 
4,401 

31,0:53 

• 10,362 
35,293 
96,185 


11,511 

36,296 

106,362 


Totals 


$62,574,404 


$562,601 


$276,634 


| ",744 



Marine Business. 



American, . 
Boston Marine, 
Boylstou, . 
Equitable Marine, . 
Mercantile Fire and Marine, 

Wellfleet, . 

Totals 



$270,332 

39,818,081 

5,873,443 

528,653 

1,240,250 

747.915 



$4S,478,674 



$11,607 

740,391 

39,969 

28,985 

16,505 

42,989 



$17,847 
467,065 

21,219 
6,S53 

37,767 



$SS0,456 $579,11; 



$14,187 

509,007 
30,918 

2,120 

40,174 



$625,117 



INSURANCE COMMISSIONER. 



lxix 



Table XIII. — Massachusetts Business for 1891 — Continued. 

Companies of Other States. 
Fire Business. 







Risks 


Premiums 


Losses 


Losses 


NAME OF COMPANY. 


Written. 


Received. 


Paid. 


Incurred. 

i 


^Etna, 


$19,062,996 


$173,434 


$94,098 


$97,016 


Agricultural 


2,593,248 


19,006 


12,074 


7,372 


Albany, 


1,510,579 


14,081 


8,582 


9,252 


American (Newark) 


3,507,497 


29,090 


14,871 


17,509 


American Central, 


1,490,244 


11,940 


10,145 


14,199 


American Fire (New York), 


9,583,291 


104,886 


43,520 


57,160 


American Fire (Philadelphia), 


8,095,127 


81,347 


40,564 


41,051 


Buffalo German 


2,099,721 


19,000 


11,625 


17,694 


Capital Fire, 


- 


- 


- 


- 


Citizens' (New York) 


2,941,281 


29,199 


20,880 


25,217 


Citizens' (8t. Louis) 


370,382 


3,696 


3,342 


3,361 


Commerce, 


1,326,237 


13,291 


9,961 


12,185 


Commonwealth, 


2,350,020 


12,868 


1,426 


1,427 


Concordia 


485,063 


4,117 


2,785 


2,785 


Connecticut, 


8,560,000 


89,954 


40,888 


55,405 


Continental, 


8,516,291 


93,451 


53,971 


59,075 


Delaware, 


5,309,348 


45,948 


20,308 


22,984 


Detroit Fire and Marine, .... 


644,597 


3,657 


309 


309 


Equitable Fire and Marine, .... 


4,550,591 


42,167 


28,561 


36,352 


Farmers' Fire, 


424,879 


4,153 


240 


540 


Farragut, 


201,179 


2,620 


1,916 


1,916 


Fire x\ssociation of Philadelphia, 


9,851,485 


113,321 


75,514 


89,476 


Fire Insurance Co., County of i hila., 


1,385,126 


13,198 


8,547 


10,822 


Firman's Fund, 


5,720,058 


61,445 


32,279 


34,212 


Firemen's (Baltimore) 


779,896 


8,026 


5,492 


5,287 


Firemen's (Newark), 


2,780,262 


25,771 


14,069 


18,812 


Franklin (Louisville) 


780,349 


6,755 


1,158 


1,917 


Franklin Fire (Philadelphia), 


3,480,390 


35,102 


25,053 


37,733 


German- American, 


13,234,796 


103.49S 


47,634 


54,889 


Germania, 


4,021,128 


39,352 


20,929 


20,826 


Girard Fire and Marine, .... 


1,999,663 


16,975 


10,135 


13,165 


Glens Falls, 


3,435,963 


31,415 


16,364 


16,796 


Granite State, 


7,282,237 


89,908 


36,517 


38,370 


Greenwich i 


2,884,439 


26,091 


17,968 


18,751 


Hanover, 


5,923,728 


62,669 


52,211 


55,246 


Hartford Fire, 


9,762,337 


100,671 


62,160 


63,217 


Home, 


21,569,985 


214,503 


132,162 


140,763 


Insurance Co. of North America, 


14,829,976 


161,294 


88,030 


87,625 


Insurance Co., State of Pennsylvania, 


2,609,900 


29,360 


18,930 


18,090 


Jersey City, 


989,872 1 


9,397 


8,167 


10,676 


Lumbermen's, , 1 


858,219 


7,201 


3,779 


3,024 


Manufacturers' and Builders', 


1,298,492 ! 


14,466 


10,784 


13,685 


Mechanics', j 


1,219,796 


11,311 


13,793 


12,470 


Mechanics' and Traders' 1 


3,440,366 


28,704 


12,640 


18,911 


Merchants' (Newark), 


10,199,948 


96,627 


56,680 


68,356 


Merchants' (Providence), 


4,002,996 


35,116 


21,122 


23,394 


Michigan Fire and Marine, .... 


3,177,403 


39,883 


31,175 


38,076 


Middlesex Mutual, 


158,072 


1,239 


- 


- 


Milwaukee Mechanics', . . . . 1 


1,126,170 


8,250 


4,284 


4,070 


Mutual Fire 


9,143,656 


20,176 


25,376 


53,768 





lxx 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1891 — Continued. 
Companies of Other Stati 
Fire Business — Concluded. 



NAME OF COMPANY. 



Risks 
Written. 



Premiums 
Received. 



Losses 
Paid. 



Losses 
Incurred. 



National Fire (Hartford), 
National Fire (New York), 
Newark Fire, . 
New Hampshire Fire, . 
New York Bowery, 



Niagara Fire, 
Northwestern National, 
Orient, . 
Pacific Fire, . 
Pennsylvania Fire, 



People's Fire (Manchester), 
Phenix (New York), 
Phoenix (Hartford). 
Providence Washington, 

Queen, of America, 



Reading Fire, . 
Reliance, 

Rochester German, 
Rntger'a Fire, 
Security, . 



Spring Garden, 

St. Paul Fire and Marine, 

St. Pan I German, . 

Syndicate, 

Teutonia (Xew Orleans), 

Teutonia (Philadelphia), 

Traders' 

Union, .... 
United Firemen's, . 
United States Fire, 



Westchester, . 
Western (Pittsburgh), 
Williamsburgh City, 

Totals, 



$10,574,070 

882,737 

1,880,028 

11,513,904 

2,603,316 

11,782,046 

1,895,487 
7,040,451 
2,445,809 
6,955,155 j 

5,215,249 

9,640,607 
10,051,701 

2,800,629 



194,210 
3,928,119 
3,526,089 
2,028,019 
1,105,569 

5,547,760 

S34.635 

2,526,997 



$107,139 

7,380 

17,954 

109,540 

28,303 

134,344 
17.452 
59,336 
20,557 

90,278 

55,353 

107,140 
91,796 
26,29s 



991,766 


9,487 


-,560 




.613 


31,661 


903,239 


7,705 


V243 


28,104 


4,023,344 


31,627 


2,480,656 


26,711 


1,844,483 


21,558 


,959 


10,432 


853,920 


7,729 



1.770 

32,243 
22.397 

59,011 
21,663 



$372,387,766 $3,643,S79 



- 

5.612 
12,112 
61,688 
16,118 

73,949 
1,817 

44,053 
17,923 
71,422 

43,668 
60,360 
58,697 
62,638 
4,344 

5,516 
19,335 
23,306 

4,482 

21,301 

26.038 
20,949 
13.502 

4,277 
5 

789 
41,233 

18,001 
16.534 

22,953 
6,580 

5,540 



$2,120,165 



$53,532 

79,808 
50,686 

47,963 
74,} 12 
71,129 
64,905 

8,964 

26,597 

26,580 

27,116 
19.967 

1,470 

744 

20,561 

19,631 

3,036 

7,308 
5,840 



$2,431,249 



Marine Business. 



Atlantic Mutual 

Delaware, 

Horn-, ... .... 

Insurance Company of North America, 
Providence Washington, .... 

United States Lloyds 


$18,243,245 

17,285.570 

146,500 

40,455, 27S 

6,971,713 

15.9S5.313 


$112,634 

96,217 

1.455 

253,341 

51,653 

45,492 


$12,195 

45. 
29S 
298 

52.15S 

5,859 


$12,195 

! B 

127,445 

1,936 


Totals, 


$99,0S7,619 


$560,792 


$203,391 


t--',052 



INSUKANCE COMMISSIONER. 



lxxi 



Table XIII. — Massachusetts Business for 1891 — Continued. 

United States Branches, Foreign Companies. 

Fire Business. 





Risks 


Premiums 


Losses 


Losses 


NAME of company. 












W ritten. 


Received. 


Paid. 


Incurred. 


Atlas, 


$1,272,625 


$12,468 


$1,736 


$5,544 


Caledonian, 


3,392,508 


26,432 


16,562 


18,495 


City of London, 


5,526,147 


67,689 


54,720 


51,781 


Commercial Union, 


15,573,764 


166,632 


117,197 


124,537 


Guardian Assurance, 


9,164,035 


98,965 


82,154 


82,314 


Hamlmrg Bremen, 


3,982,148 


42,227 


18,452 


24,262 


Imperial, 


12,097,776 


131,415 


92,898 


88,045 


Lancashire 


6,577,646 


80,464 


45,793 


57,903 


Lion Fire, 


2,399,684 


24,687 


14,459 


19,337 


Liverpool and London and Globe, 


28,840,819 


251,804 


150,811 


145,221 


London Assurance, 


6,572,729 


60,824 


37,936 


45,672 


London and Lancashire, .... 


13,818,274 


106,453 


67,193 


83,078 


Manchester Assurance, .... 


5,234,497 


58,102 


15,131 


21,939 


National .Assurance 




- 


- 


- 


North British and Mercantile, 


12,126,760 


113,464 


52,763 


70,397 


Northern Assurance 


8,236,075 


87,950 


57,595 


71,541 


Norwich Union 


8,664,571 


94,232 


63,558 


64,032 


Phoenix Assurance, 


11,288,536 


114,885 


SO, 909 


87,963 


Royal 


24,381,601 


262,557 


255,121 


179,922 


Royal Exchange, 


- 


- 


- 


- 


Scottish Union, 


5,496,777 


55,448 


33,684 


44,222 


Sun Fire, 


15,644,000 


140,804 


66,925 


76,810 


Transatlantic, 


1,562,669 


10,150 


1,891 


6,021 


Union Assurance, 


695,500 


5,140 


486 


2,501 


United Fire, 


503,162 


4,761 


740 


4,928 


Western Assurance, . . 


2,906,739 


34,468 


19,739 


24,722 


Totals 


$205,959,042 


$2,052,021 


$1,338,453 


$1,401,187 



Marine Business. 



British and Foreign Marine, 
Loudon Assurance, 
Mannheim, . 

Marine 

Thames and Mersey Marine, 

Union Marine, 
Western Assurance, 

Totals, . 



$49,736,764 

1,309,760 

4,346,828 

35,474,041 

3,304,174 

9,443,935 
900,620 



$104,516,122 



$249,249 

4,037 

18,584 

51,502 

20,712 

134,980 
13,172 



$209,936 

101 

8,582 

31,815 

3,463 

• 31,613 
7,953 



$492,236 , $293,463 



$267,307 

101 

8,882 

31,215 

1,857 

26,709 
7,963 



$344,024 



lxxii 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1801 — Concluded. 

Recapitulation. 
Fire Business, 



NAME OF COMPANY. 


Risks 
Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 


Massachusetts Mutual Fire Companies, 
Massachusetts Joint-Stock Companies, 

Companies of Other States 

United States Branches 


$222,421,877 
62,574,404 

372,: - 
205,959,042 


$2,461, :;o2 

562,001 

3,643,879 

2,052,021 


$954,327 
276,634 
2,120,165 
1,3:> 


$9' 

"44 

1,4' 




$863,343,089 


$8,719,803 


$4,689,579 


1,694 



Marine Business. 



Massachusetts Mutual Marine Companies, 
Massachusetts Joint-Stock Companies, 

Companies of Other States 

United States Branches, .... 

Totals, 



$27,205,349 

4S.47S.674 

99.0S7.619 

104.516,122 



$459,374 
880,456 
560,792 

492,230 



$387,307 
579,117 
203,391 
293,463 



$242,104 



$279,287,764 $2,392,858 $1,463,278 $1,44 



INSURANCE COMMISSIONER. 



lxxiii 



OS 

CO 



co 

O 

»— i 

H 
co 

i— 

H 
< 

H 

CO 

W 

as 



fe .5 



co 
H 
H 
« 

CO 



o 

— - 
C5 



0) 
*■* 
>» 

•3 

•*- 
o 

CC 

u 



QO 



0> 
t» 

3 
-a 

A 
co 

00 

a 



CO 

<D 

<G 

O 

CO 

a 



< 
f. 
X 

< 



a; 

^3 



CJ 

'■c 



Ctf 

3 

3 

co 
£ 



cv> 






.S £ 

-t-> 



J o 



Si 





Cb 


CO 




a 




o 


i 


•— 






> 


^™ 


t— 1 




M 


rt 




— 


a 


fcr 


•-; 


a 


- 


• ^* 


<j 


1* 

o 


H 










o 





— r co ^ i-h ai" cicoV r i>r 

۩ GN J>- 



I I 



oo i^. co — ' cc 

GO CO •— QO QO 
t^ — i—t 0!N 

r-Tof t-h of 



CO 



C5 



(NNiOCCCOOOCl-^ON 
O COl>OO^COOCJ^COO O 

l-iMHH<Nr-l(NlOHt> 

«d* GN CO 



O W N O C K 'O N 
O I>- i— ' i— i CO O^ O 

' i-T i-T of of o7 os 

CM 



OOOOOOOr-ir^OO 

O N rH |^ (O O O CO O (N >0 

OlO.wao.Hicio,* -t_ co_ -^ 
^co"'io'ofr>fi-H'»Oi-<tO'+of 

«©= i— i O -* MNOO 
CO i-l 



I I 



o rs o o o 

O O O O r~ 
O O *C CM O 

CO O i— i C5 C5 
CO 



o 
o 

GO 



00'Or:to(N-t05'C»O'ti 

X -<2 C H .O (N C OCONX) 

of o" od oi ~ i-T ao co 

i— i CM 



I I 



CO CS 
GO O 
CO O 



^CO CO 

O GN CO 

■<* to co 

1 1-1 TjH ' -<*! 



OOOCOOCO-tiOr^aOO'+OOCOCTsO'-iCO 
OOO-fOOOONWNXKNiOXO^OK 

^o q,o ao o »- co ■* c: w as co o ^ «o 

of CO GlT CO*" of i-T »-« CO** t-T -*" 

i—i co i—i i—t 

&p 1-1 



CO 

co 

CO 



oocno-oooocooo oo coo o 

OOCOCCOOOOCOOO OO OGN o 

O, t^_ -t <=* -* i-^ 3-/^0^ O O Gft t^_ O 

i-f -- O -i^ go" CO o" cT Cl" o" »-f ' ' n'o' ' co~co" ' CO 

-t-^^-^-i^-. CS .G <OCS 'Cfi COCO O 
۩=OOI 



Ph J 



COCMOIGOCOCOi-iO 
n (N CO i—i CM 



ICOrHCNO^lGMI I I I 

CO 



I I I I I I I I 



fee 










ro 






V 






•^ 
^ 


1 







u 




. 


CO 




— 


o 




7Z 


jz: 


uu 


T, 


7. 


0) -^ 


B 


^ 


Q 




- 


gQ 


< 


— 


-- 



CO 

O 
"lo 

'^3 



CO 

o 

OO 

3 
O 

bD 

a 

'5b 
o 



- 

a 



ft 

s 

o 

O D 



X o 



X' 



CO 

§ 2 c > 



r* .m z •• y ^ ►> w ^ — 

i s « k c i 7 - s ■" — , 

5 "o *o - ^ o 2 § § la a "^ * ti- 



saaqaqaq^a 



b a o &- r-. h 

^^K *>-, «^ ^^ ^^ ^^ 



~^ «^^ 



'■J 



Ixxiv 



REPORT OF THE 



05 ■•* © N M « X iO N « 
OS iC >0 CO X OJ CO to — ' O 

€»CN ' CO 



i— i ^- c -f c> — — '". — 

r-^-t •* 71 — — Oj cc x 
OO »-C r4"oQ c'l © — DC 






— — 
CN 



-o — I - — 

z. ■-. 

Ol 




-f O' co r>. cc «o go 

own co co h» x 

go. co. gc ,cr v x^ x> c. w 

cc crT t^T ' co" — 

۩CN 



DOr^t^ f) ti c - - c - i o c i — i ~ 

. — — r^. x — O — DC — :" ~ '.' — -o — Z — 

iHi^N im c r. <» t: ". n — / r. r. ■ ~ — x 

•O co — i H OC — ■ o • o ■ i — ' t . 

l>- O ■<* CN r 

-<*l Cl ^ 



h~ O CO OCT. ©COO 

r>» >o o c c " c c c _ 

cn cn go cc -r c. do cn o x^ 

CN -*f GO ' CN -¥ Co" -f' IO 0> 

— CO CN CN — CN 



J* © O •* © © C 

O -cr. Nnoi:!!-. - : .- © — r^ 
P)OO>OOO>C-tC0^9IN(C>CN / 

'-T — — — • — 05 SO ■" 00 — 90 f- -^ 

co -t« «C \r — . - . ■ ;- 

iO i— i i— > -r »o 
CN 







>C X iC C N ft C t^- >0 


CC '0 


■o - - 


~ 


35 DC ■"—:-. to Cl 


99 - r. 






— i-C — — ~ — — CT. 


• ~ 5Q 


fN ~ ~ 


c 


— C %r — t- :-. r. 


~ — . ~ 




■ 


iocn-t ^ x t- — f — 


x eo 


DO CX . 


■o 


~ — r. t- c K — 


• - _ — 






















— iC »0) t-» r- co -^ 


^h 


I - '.'. 




C oi oi — 


/. : i 




e- 


4© »— i t— i 




co C 






- 






CC^CN^CNC 


50 iC 


— re 


- 


o x >o — — C Oi 


r. - - 


03 




t— i cn >.t ri r: c; " — co 


•o CO 


1 - — . ' 


~ 


: x -n-r. 


_ — ■- 


'^ 


■ 


O-fO •oxr^'-r — 


x so 


• 50 05 


c 


c — 'O x — t- x 


; 35 — 


















Q 




r^ cn x «-i i-i — 


1—1 


■ o CC 




■-J X X oi OC oi 


OJ OJ 


hS 


«^i-| CN iO 




T «0 




— OC Oi 


- o 


5 




















'O © O C O O ■" 


o o 


© x © 


















0j 


ojc — c~cco~cn 


- - 


© O c 


~ 


cr. ~ ■ o ~ — — — 


— OI 1^ 




8 


co — x c: co — c r- to 


. 


— I- '" 


■ O 


■/. til-X-CN 


~ — 




















03 


c c s - >c r. :: c ?i 


■a oi 


o «a 


71 


■ o x - - ■- — c 


■ ~. — to 






>— CO CO (M C -r o 






— 


— * ^ i» vt :t — 


— — — 




■ 


«& i— i CN 




r>- 




i— i~ -* ',: 


FH 




^ 






CN 




CN 





~Z ag 


f(NCNX"005N'*(N 


H CO 


•C 1 CN -f 


r^ — i^ c: 


CO CO Ol X Ol 


■w go 


to i—i i—i 










w^ 


Ol 


— — kQ 
























83 O 




















- J 
















^~ 




— 00 

S3 O 


i— i CN CN 


1 1 1 i-i CN 


i 


1 


1 -* 


CN pH 1 


I 


1 CN — CO 


CN I I — | 


Z j: 
















-o 


'-O 


Eh o 
















r^ 




J 






















































M"l 




















~z 





























































/. 









































a 




















c 




















«5 




















d 














• * " <jj 




















C 
























CC 








— '•— 


i~ 




^ 






i. 






» 


c * 


5 

o 


• • • 


. of ao 

^ s = £ 




B 


• s • 

O 

a 


CO 

— 

IK 




3 
■ ^ 


> _^ 


— 


yT 






— 


- 

cu be 

•r- c 

5 '5 


— 




or c 


| 83 


' 


C DO 


"HOC 
, BtS CT3 

E s — ~ 

•> 0D ~ — ~ 

j£ o p r: _^ 


Q 
JO 


- 


£ 
— r- 7t 


SB 

3 


c - x _= 


~ — -C 
BO " •- ^5 jf 




no 83 S 

s « y 

fc- — s 
c3 si ja 


^ £ br. bo"g 

c ■» c c p 

H; rl "5 c; -2 

or it o c - 


J. 

— 
- 

c 


= 
- 


— -^ 

C £3 = 
C O *" 


«a AS C 


be 

— 


3 — - r. c 
■d c o .S 

b£ "- = 

S >i >v > 
•- - - > 


1 III ! 




^QOQUQQUUUC 


^ WW 









INSURANCE COMMISSIONER. lxxv 



00 ^OH>fou:C(NOi O tOCOIN N^OOi^H CO -f O 'O GN -* 

1^ (N^-flNOr. OXH GO CO «-< CN iO 00 Ci "fi O CO CO "« CN Ol CO Ol 

CO i— t CC X >0 t C t"» OS 00 »~^ tOON r-l OS <N OS, 00 t> O A MO^IN N 

io" i oo'ih rHOcO'tiN icrTi-^ icf"^cooft>fo~i | co-rr^-<t'crfr-'- 

1 gn co i-h *o <m ■ ' i-H ' *>* i-i »-• ' t^ i— i -* <m 



GNtJ< iO CO CD GN CC CI «0 CO >— • (NOCCKNiOOXO'CXCNW'OOOlOai 
Of- 1 t^ cc^ X^ »0^ CN^ -t t^ O, X c< v GN. OS 00 BO^(N X^ CO GN^ OS »0 SO »Q CO, Ci ^ 'O, "^ 

O«o ' nn Hi*«ceo^N I GNfr-Tio <-f t^f cf co" of o" x co of — *" go of -tf 

«— i Ol CO ^ CO CN i— li— i OH hM(M O. -— iGO"— i 

GN 



O MNMONOOiOO O OOO GN O O O OJ X O O X O © t>- 

O CXINNOOO^O O »0 © CD CO © © © X O O -O CC (N O I» 

O (O00>-N)Q>CO00O CM r«-_»0«— ' »0 GN C CD X X -iCC-OTO 

' of ' -r 'A — *" ed oi t>f cc*o* bs ' r-f ' co'cio" ' cf t>f co o of co" ' r>f co co co" x" t>f 

OJiOCN^t^GNGNCO i— I iO CO -f -fGN CO dOOiOCON 

(M r-i "& t-H i— i GN CM 



b~ 050NNCOX'0^»OOCCiO(NO(NO(NOO(NOa O- KNOOO 
-* OCCOO^CT.NCOClKCOX'-COOIN^-fC^X QNXOOlOi 
i-^ »© O CO 30,0,00 00 OS^ 00 Ol O^ W t^ (N r-i iO SO CO,I>,a0, -^J, 04 GN C5, GO CO o, 

GO ' t>f ^" GN i-f -T GN of Co' i-T co" ©"co"f^CO~io"of'ofr-fco"ofi--rof 

j-i GN i— I OiGN '— t>» i— t t— i|> 



iC(M(NfflCONNXX'CNiOOX l CiCON(N(NNtOO(NOO)iOiOH(NO(NCO 

(NNN^rrcC'tGiNNor. xzr:-tr.f:xco-tco^xwc5X'.:ccori 

©^C0^CO,iO,C0,C0.G©©,20 X^CftW i« NNX.X OJ 3i M, N W^l^W O <N GN 0, 00 -^ GN, 

d" oT x' N 't 0» rn "t" GN CO* i-H* GO GN of io" CO~ *-* CO*" CO of GN i-f cf of of GN* 

i-( <M i— t GN i— t GN50 i— i XrH(NCi 

GN 



O 'fOOOcOOOOOOOO'OOcOOOOOO'OO O O iO O O 50 

O Ci C O C - OO'OOiOOOt^OOOOOO'OGNO © © CD © <0 CM 

CO t^ 50^ 50^ O. -T "O O ©„ © 50 1-* CO^ O O CO iO, l^j, t^ © — ■_, ©„ O O 00 «0, iO «0 05 

' — «" ' — ' x r -♦■' of o of cf i»'io '-T rjT -f o" — r «-T cf -* -r cf co" co ' co co" of of cf of 

i— i CO iO50'0GN XX CO lO'O N(Nt-iC(M(M CD O Ol t>- O) ri 

O* i— i i— I i— i r-i Ol Ol 



OOiHOXKHNOlMHN^^tOCOX^iOHiOINXWCOXSCOXO 
00 »H r-H tH CO -^1 tH "*cO 



HH I |r-(| I I I |00 I HHINN I I tM>. »-l I I I - — f ■ I I CO I «■* 



- 
o 



9 S © 



3 .2 g ^ 5 I eg § „ § h §3 s « 1 aT - if - «" 8 

•h & rf g * g ^ -■sJ'CSSoto-oa gSrf ^3^3SE2 

Jg'g 2 S-S I £ 2 -* c fel S I • 2 e S s s « §*g § «55 8 ^" 

2j2 I i 2 2 S g g S 8 JSJS §2 23 S § o| || g 3 1 SJrll I I 



Ixxvi 



REPORT OF THE 



p o •— « 
r^ o c cc «c 
*&r cn -r i - 5© 

*- ■ i— i i ob c: t^- 

1 -* 



r ~ :- c~ o ^ o -+• c: t ^ o ^ r^ r^ x taoiNK! C C 

ccc-ru-.r.C': : :: cc r. r. : ~. — 

<~ I «■ ~._ — I ~ 

K •'. — ' — ' p 

OC — "-C CO CM CM 

<M Ci — 



O CO O O — ' N000QOHQ(0O>9lO^NMON0)(OiOOC 

oi o o co «c t^ c — ■ ; r. c x • ~ i - ■ ~ -z co — x — — -- — — O 

©& CM rfi CM CO_ iC_ fc» Cn y— r £> CO — © »^0 t* O O W 0C — C • ~ ~ 

i-l NH I OOO P 00 p — ' — DC ~« — '"' —' — ' — ' wA — 

»"H 00 n T. /. — 



OOOCO ©OOOPp^OOOOOC 

O O O C 'O !DO00C»0OO50OOOO« 
cC^^Cffi CO OC CO C. — r '~r r. CC X • "". X '•" 

^ ad i-T cT ' oXNrTiM'': ;':i x' — e i — ! co 

i— i t^- 00 p* 00 i-H <0 uO CO '.'. 

r- cm cm cc 



C ■' ~ C - © 

— I- 

~. p to 

'- — CM 



co c c - c - c c o x :: ■ -. : x t» co co go o *0 C 

(NO »-<OCDOCOCM(NO«OCOO>00005»OOCOOI 1 

t— cm o -t © 9 1 a» x ~ iQ HQMHMffi — — — r - •-- oo C- 

^ ' i-TfcC© *H xT r4 O 00 CM oTaTrH — ed — r-r 

i-H f-i SC — 99 0C n On 



iQQQO(DOMCO)iOOOONCC X — — CM CO (C X = d C 

(N in a l* - c r. O w in ci " / u r * / — - r ~ t — ~ ~ -~ — 



CM C^iC *OC,K(NC> 
^ n i— i l- — — :- 
CC rH CM 



X cr I >- O cr % g& — CM O CO r. — ~ v i 

ri ~' 'z. — oTc; 

Ci-iCM - CM i-i O »H 



o o 
«o o 
00 o 

cm'ic" ' 

i — OC 



©©©©©©©©^o©e©o©©©©©©QC 

c> — _ o © c m © c^ © •-« aq © ^ o 5 x> x cq ~*. 7 

1 CO" t> 'Jl ~ -? I CO — " O — CO — ' x' Ol' — ' t - ■ ~' — — BO ,; CM £? 

CM (NXC"(MC'-'-X 1H t^CM 



C X IMOOHMHNH^rt^lCOiO^HH — '^ ~ «C l> 
i—i i-i i— OX CM 



e ^ 



I I r-> | | ICOICMI I I I | CM CO I I n n - X ^ CM I r. 



— 




7. 




— 


• ^ 




o 


— 


■J CI 


r. 


- ^ ; 


- 


Q t S 






■g 


- — = 


••— 
a 


© rt CO 


— 


ad 


— — — 



- 
E 

P- 



J. be 



^^ 




= . 
- -7. 



■w 00 



■ 

£ -7. E 






p 


.. 


c 


■ 






c 








~ 


"~ 


;. 


C 


— 










X 


ac qc QC a: 



bt_i _ 



jij: JiJi 



INSURANCE COMMISSIONER. 



Ixxvii 



O GO >0 O •— 'CO iO CO O 


lO CO >o 


o 




iO<NNt^«D005 CO OS CO 


to o r~ 


CO 




CO X O 'f N CO ■<?* 00 o to 


COHO 


OS 












HOiCOi-iCi CO || • | »C CO 


GO i-t QO 


O 




CO CO CO ■ •' ■ • *H 


t^ 


CO 

co_ 

CO~ 




O-fOCHOtO *C ot^o 


OS iO iO 


1— 1 




>00-f NCDOC5 GO UiHCO 


GO -H CO 


1—1 




CO CO GO -f -*l GO -+ GO OCO 


O ^ OS 


CO 




•>•>•»»« •- || ». «« 








HO'-HCJ CO ' ■ ' 10 05 


*tHCO 


GO 




"OtO (N rH 


GO rH 


os_ 

CO 
€^ 

OS 




ooooooo o coo 


O O O 




OOOOOOO O GOO 


t^ o o 


o 




HOOOOiOO O O -=f 


N(NO 


t^ 




c» c- r* »» c> #» »» 1 ■ ^11 ^ #* 




•» 




i— tO t^ OS CO -* O ' ' C» ' ' OS GO 


O'CNGO" 


ls- 




|Q N ^ N H (N h- CO 


to 


as • 




CM 


CO 


CO 

i— < 
i— t 








OOGOOOOCO NiCX CO GO CO 


CO GO o 


co 




»C — i CO -fi i— iiOCN (NCOCO'* CO CO 


t>. CO OS 


UO 




O ^ CD i—i b- O t^ GO i— i OiO 


r-i CO O 


OS 












i— i CO — i i—i CO tO "<* CO ' OS iO 


O H "* 


CO 




■<f CO rH O 


TP 


»o 

1—1 




O O O O i— < O CO (MCMCO'-iONO 


CO CO o 


GO 




iO ^ t-~ ^ -+ CO NCOONOCO^ 


~* t — H 


co 




N-tOOHN O COCO 'f HCO- < 


OS cs o 


CO 












r-i O O CO CO iOW CO COCO 


•O r-( t>- 


CO 




rti CO i-H OS i— 1 


»o 


o 
co 

CO 




OOOOOOO lOOOO "-0 


co o o 


CO 




OGOOOOOO C3(MOiO t~^ O 


cs o o 


QO 




(NOXKNi'OO CO O O 'f ^ O 


CO CO CO 


1—> 












O CN W OO 'O O >C OS GO tO CO ' i— ' t> 


CO -^ CO 


t^ 




O -* CO H/i CO CO CO COO rH CM 


-f 


o 




r-i i— l CO i— ( 


CO 


CO 

1—1 




(N CN O ?D O CN CN NCOCNCOHiOCN 


t^ CO iO 


OS 




Ol i-H i-t TjH 1— ( 


CO i— l 


tO 
CO 

CO 




rH CD CO 1 rH | | |iO| | | ^ rH 


CO CO i— 1 


CO 




1— 1 "^1 




CO 
CO 


















<D S3 








C o3 








CC 








VI E" 0) 


• • • 






dresser 
loss cc 

carriag 
ed), 
), • 






r> ■" <w " 3 ^ 








3 0) • 






ers, 

nware shops, 

rriers and more 

bag makers, . 
contents unkno 
gs), . 
, • • • 

S, . 

rharf, . 

ment makers, 

oal yards, 

•ies, 

ers with powi 








£3 

n o 

7 — . 

.— •—• 
CO 
^ to „ 






Stone work" 
Storehouses 
Stove and ti 
Tailors, . 
Tanners, cu 
Theatres, 
Trunk and 
Unclassed ( 
to buildin 
Unoccupied 
Upholsterer 
Vessels at v 
Wax and ce 
Wood and c 
Whip faetoi 
Wood-work 


5 o S 

.^£ d 






i-i — ' ■— < 

3 O O 







lxxviii 



REPORT OF THE 



Comparison of Table XIV. for Fourteen Tears. 



Year. 


No. of 
Fires. 


Insurance. 


Damage. 


Insurance Paid. 


Total 
Loss. 


Partial 

Losses. 


1878, 


1,728 


$7,703,326 


$3,683,265 


$2,574,841 


532 


1,196 


1879, 


1,852 


8,086,657 


3,626,430 


1,994,412 


605 


1,247 


1880, 


1,722 


11,033,541 


4,454,221 


3,422,143 


596 


1,126 


1881, 


1,694 


11,414,179 


4,312,642 


2,819,847 


511 


1,183 


1882, 


1,758 


12,406,617 


4,789,906 


4,480,797 


529 


1,229 


1883, 


2,233 


12,325,823 


4,686,759 


3,446,076 


666 


1,567 


1884, 


2,011 


13,635,872 


4,704,871 


4,226,144 


543 


1,468 


1885, 


1,828 


11,332,402 


4,169,798 


3,254,256 


482 


1,346 


1886, 


1,920 


12,566,354 


4,579,530 


3,313,892 


328 


1,592 


1887, 


2,238 


13,064,423 


4,220,326 


3,180,244 


519 


1,719 


1888, 


2,446 


16,988,030 


5,385,377 


3,732,835 


594 


1,852 


1889, 


2,490 


22,942,441 


12,388,202 


8,241,478 


758 


1,732 


1890, 


2,471 


17,995,768 


4,656,149 


4,969,964 


604 


1,867 


1891, 


2,892 


25,654,891 


6,581,479 


5,177,916 


633 


2,259 


Total, . 


29,283 


fl97,150,324 


$72,238,955 


?54,834,845 


7,900 


21,383 


Average, 


2,092 


14,082,166 


5,159,925 


3,916,775 


564 


1,527 



INSURANCE COMMISSIONER. 



lxxix 



rO 

e 
o 

I 

(-3 
< 



•jaqcaaoaci 


CO 


1 t> 1 1 1 1 1 1 1 G4 1 1 1 <«0* 1 1 




uaqraaAO^i 


CO 


r-HrH| | | 1— H | *— « | •»— 1 | | | H H N H 




uaqopo 


1 (N(NHN 1 
<M 


|t-H| 1 | | | T— 1 I 1 — i 1— 1 | |CO(MH | 




•J3qai3jd3g 


1 H | H(NH 
CO 


1 ri 1 1 1 1 1 1 1 f 1 1 1 CO 1 iH 1 




•jsn3ny 


1 -* H | CO | 
CM 


1 CO 1 »-l 1 1 1 1 |H | I | ~* <M r-< | 




•iC[nf 


1 H ^ rl O H 
CO 


» 




•aatif 




ICMI | rH t-l 1 | I | | | | (MH | H 




•^BJt 


1 <M O (M O CO 
CO 


1 *H | | | | | | | | | | | «H« | 




•(iJdv 


i—( | HH-'H 
CO 


1 1 1 r-f | | | | | Tl | | i-lxH | 1 | 




•qDJBj\[ 


|H | | NH 
1— 1 


1 H | | | | i-H | | | I H ! CO 1 H | 




•Xiuruqaj 


1 1-H 1 1 O I 
CM 


IH | ) | | | |r-| | | |oa<N<M| 




•£lBtlUUf 


1 I | rtHCO 
T-H 


1 t i-H 1 1 1 1 1 1 1 1 1 1 1-1 94<M 1 




PROPERTY. 














bD 
3 




Almshouses, . 

Bakers, .... 

Banks and offices, . 

Barber shops, 

Barns and private stables, 

Blacksmith shops, . 


Bleacheries, . 

Boarding and lodging houses 

Books, stationery and paper 

Brush finishers, 

Breweries, 

Brick kilns, . 

Broom factories, . 

Brush makers, 

Button factories, . 

Candy makers, 

Canning factories, . 

( lard clothing factories, . 

Carpet dealers, 

Cars and car sheds, 

Carriage factories, 

Churches, . 

Cider mills, . 





lxxx 



a 

'•3 
a 
o 






S 



> 

y 

K 

H 



uaqraaoaci 



•jaqraaAox 


1 


1 I «HiH | 


1 » ^ 1 


1 ) ct ~r — h- — , 

1-H 


1 co | ) | 


'jaqopo 


i—i 


1 H^N | 


1 -* 1-1 1 


|(N(N IW-t 1 1 
O 

i— » 


1 <© | 1 1 



•JdquiajddS 


1 1 1 1-" 


1 l 1 


\ i- 1 


i ac | oq is 


1 1 


» M 1 


t 1 


•jsnSny 


1 1 <M 1 


i i- » 


t>- i I 


1 CN 1-" -r — X 
X 


I 1 


1 c-. 1 


1 1 


•ifinf 


i-" ^ 1 


l 1 1 


1 »H | 


1 ^ i— — — X 


1 o* 


1 X 1 


1 1 


•aunf 


i— 1 1— i co I 


1 1 i 


»-4 80 1 


| :- — :-. I o 


1 I 


1 X ' 


1 1-t 


■Xvh 


T-i i— ( i— i i— i 


1 l 1 


<N pH 1 


— | Ol *• « 


1 1 


1 -- 1 


1 1 



•ludy 



•ipj»?re 



•X.inuqaj 



'.{jBDUFf 



REPORT OF THE 

I ,— i-( oi | | | | co i— i i— < err i— ' t— 1—" — ' i— > I »— ' »--^ -^ *-h f 

1— • 

1-H 

o 

1— » 

x 
x 

CO 

O 

o 
i _ ^ I _ I ooh i in lo i^ I I i-« I 

CM 

i— • 

I I ll-HI I I I N I I ^ I ^ I — — — — S — I I 

CO I -H I | l — ' 1 — I 1—1 I | r- (?) n | O) W | I O* » | | 

X 

I |;oi-i| i i nog in leo^HOi | i i^-i ii-» 

>j 

"7 

s 

B3 
I 

■ 
x ._r... -o... ©».= •- •'S»*<--^1- 

■— 00 r-> — ■*- s — 

- c . P :Z .a*... -..'OS ■ •_— • •- — 

;"^-C> ^ D S 5 C "— r 

- c > <z - — .. — m _ — 

- - t - aa«S-S^ 

as S g « of.2 g ^ • ■ • Z x " >.-= " C r* S) ' g .^ 
cc " c ~ r» la i- 'Z3 "o - S — . -/" £ - " "7" •— /■ ~ -£ 

>r i -./. — ^ ~ - _ .— . - — — 

5 W t*^ • ~ r.~ . = r 
' — — — - " =— _ x _ — 
.. — <h a^ a> a C — - — 

— _z: _^ ^ — ~ — q— q « 
~ _ -^ — ~ iZ — — '— — -- 

.„ l js ^z : c o c""cu-------*-^ -^— - ~ 




INSURANCE COMMISSIONER. Lxxxi 



<N 1 


1 CN <M <M 


I 


i-H 


I | ■* N | H rt N N !N 


tHI 1 | | | | | 00 I i-l i-l I 


CO I 


i-ItH 1 (M 


I 


1 


i-l 1 I (M»CO(N 1 HCOM 1 1 <M 1 1 1 i-H O 1 CM -H 1 


1 <M 


1 i-H 1 <M 


I 


1 


I | | 1—1 (M I-H 1—1 1-1 | Tt< 


1 i— i |CO(M 1 I i— O »- 1 i— " O 1 


i-H 1 


1 1 1 1 


I 


1 


1 1 1 i-H ■* 1 1 IHW 


1 1 1 1 <M 1 |HO I HOH 


(N 1— 1 


lll—t 


i 


1 


1 1 1 NH 1 I i-l i-l 


"* 1 i-H 1 i-H 1 1 HN |HlO 1 


1 1 


|HH | 


l 


1 


1 i — I 1 ' — I i-H 1 1 1 NC(N I li-ii^l | (NtJ< | COSCH 


t^ i-l 


1 N 1 (M 


l 


1 


1 1 I CO CO 1 1 |(NO 


II 1 1 1 1 1 in inetH 


<M CO 
CO 


1 1 t-4 | 


l 


1 


1 i-H 1 1 CO 1 1 I 1 i-l 


i-H| ICOWh 1 ICOI 1 <M 1 


© 1 
CO 


i-l i-l —4 | 


I 


1 


1 leoHN 1 1 i<mco<mi i | t-i i i-H i-i c© r icoi 


CO <M 


1 1 1 1 


i— i 


1 


1 1 1 HC3 1 H | i-H -^ i-H | i— 1 | | | ,-1 ,_| O i-H I H(N 


1 1 


I i— i l— i ~n 


l 


1 


i-H 1 i-i »C O 1 i-t 1 1 «o 


<M 1 1 i-H 1 1 1 1 O i-H 1 (M | 


1 1 


1 r-i <M | 


l 


i— t 


1 1 1 iH<M | | | | CO 


1 'CON 1 hh |W | | i — 1 | 


























Forest fires, . 
Foundries, 


Freight houses, 

Fruit stores, . 
Furniture factories, 
Furniture stores, . 


f. 


DO 

M 



r. 


Glass works, . 

Glue factories, 

Grain stores and elevators, 

General country stores, . 

Grocery stores, 

Greenhouses, 

Hardware stores, . 

Harness makers, . 

Henneries, 

Hotels, .... 


Icehouses, 

Jewelry manufactories, 

Jewelry stores, 
Junk stores, . 
Laundries, . 
Lamp-black works, 
Leather stores, 
Liquor stores, 
Livery stables, 
Lodgerooms, . 
Lumber yards, 
Machine -hops, 
Markets (meat and fish), 



Ixxxii 



73 

o 

T3 

c 

o 

O 



60 

3 



> 

X 



- 
< 



•JoqcaaodQ 



•jaqcaaAOX 



•jaqojDQ 



•jaqmajdoy 



•jsnSny 



•£{UC 



•3UUf 



'£*K 



•^iBruqaj 



•XiBnuBf 



REPORT OF THE 

(N |H | I I I I I |H<0H | I I i-* , — ~i ^ | 

I I I i-H I O* I O* I f-H I |H |H |H«HD«H | I 
I i-l I I i-l I |i-"l I rH ,-1 i-H | | | | C* .-I i-l | Ol I I 

i-h| I i-i I 04 i i-i i i ii-<i |i-"i leoixMHH I i 

I I f— i I |H I H | H |HHC9H | | 00 I 9)^1 I H | 

I I I I IK I I I I I |04|i-i| IHHOOOIH | | 

09 I | | | | |H | | | |H | | | | |HHCS I | | 

I I I I I I I I I i-< I IN IH | I -r ?) C — I I I 

i—i 

I I I I I r- | | i-H | | | | l-H | | | | | ** O 1-t « 1 

(N | I I |i-i| I I I I |HHH | |H |«rt | | | 
I I I I |W |« |H | |rtHr-H | I Mr IhIN 
I | |H I00H | I I I I I I I L IHHHW I I I 

■B 

~* 
-_ 
^C ' ' " - 

— -*^ 

— Z 

• ••••• — , • • _ •••••••■ ■ • • • 

- t" 

— ■ JS x -V 

BO ^5 :_ .— — — 

. J2 . « « . a • ~ ~ "3 -a • • • • 

■- ► "S "2 B 2 

C W - * rz •— . r - ffl an - — -r — -t — -r 

-'-'-- - c ~ -c S 5 2nf , n § 3 S g 5 

«o l c -^ •= a « ~ 2.+* -= •= 53 -f J: E II -E - _f £ • •=> = 

>>| I pt 

I -■= — 

£5 u "* " o a ^.£.£_3if£ = IE ~ -= — > ^ 




INSURANCE COMMISSIONER. 



lxxxiii 



r-l CO <N I i-l i-l 


i 


! CM CO 

T-t 


1 


1 1 1 1 i-H 1 


i-H 


OS 
CO 
CM 


i-l | CO i— 1 I H 


i—i 


1 i-i *o 


1 


1 i-H CO 1 CO 1 


1 


CO 
CM 


1— 1 1 1— 1 1 1 1 


i 


1 HOHW 1 "^ 1 CO iO CM 


CO 
CM 


1 1 CM I CO 1 


i 


i-H i-H CM 


I 


1 1 CO 1 CM <M 


1 


CO 
CO 
1—1 


1 | co I I co 


i 


1 CM i-H 

1-H 


1 


1 1 CO 1 CO I 


1 


CM 

CO 
CM 


1 1 (OH | | 


i 


| CO i-* 

1-1 


1 


I |H |(NH 


i-H 


268 


I |® |H(N 


i 


1 CM SO 


1 


\ | | i-l CO CO 


» 


co 

CM 
CM 


t U(N |H 


} 


1 1 «o 


\ 


H |« | N | 


1 


i-H 

CM 


1 1 CO 1 1 1 


H 


H(M(M 
r-t 


1 


| | ^ \ ^ ,_, 


1 


CM 

as 

CM 


1 1 1 1 1 1 


1 


1 CM lO 


1 


CM 1 I i-l 1-H 1-H 


i-H 


CM 

i— 1 

CM 


I I 1 NHH 


1 


| HNHH | i-H l— 1 t— 1 1 


i-^ 


as 

i-H 


1 J iO GN» 1 <M 


1 


\ I «o 


1 


1 1 1 1 1 CM 


1 


as 

CO 

i-H 














a 

+3 

o 
H 


























en 












Soap makers, .... 
Stone workers, 

Storehouses, 

Stove and tinware shops, 
Tailors (merchant), 
Tanners, curriers and morocco dr( 
Theatres, .... 
Trunk and bag makers, 
Unclassed (contents unknown), 
Unoccupied, .... 

Upholsterers, 

Vessels at wharf, . 
Wax and cement makers, 
Wood and coal yards, . 
Whip factories, 
Wood-workers, with power, . 
Wood-workers, no power, 


3 

a 

'o 



lxxxiv 



REPORT OF THE 



Table XVI. — Causes of Fires Classified. 



Property. 



Causes or Fire. 



Almshouses, 
Bakers, . 



Banks and offices, 



Barber shops, 



(3) 



(23H 



(10)^ 



Barns and priva e stables, . 



(318) < 



Blacksmith shops, 
Bleacheries, 

Boarding and lodging houses, . 

Bookbinders, 

Books, stationery and paper hangings, 

Brass finishers 

Breweries, 

Brick kilns 

Broom factory, 

Brush maker, 

Button factory 

Candy makers 

Canning factory 

Card clothing factory 

Carpet dealers 



(H) 
(1) 



(23) <j 

I 
(1) 
(1) 
(2) 
(1) 
(3) 
(1) 
(2) 
(1) 

(7) 

(1) 
(1) 
(1) 



Cars and car sheds, 
Carriage factories, 



. (33) < 
I 

r 

. (16) \ 



Churches (14) 



Cider mills, (2) 

Cigar stores and factories, . . . (8) 

Clothing manufactories, . . . (5) 



Rats and matches, 1 ; gas leaking, 1; unknown, 1. 

Defective oven, 1 ; overheated oven, 3; unknown, 
4; sparks from chimney, 2; exposure, 2; fat 
boiling over, 1; breaking lamp, 1; defective 
chimney, 1. 

Cigar stub in wooden spittoon, 3; unknown, 3; 
electric wires, 1: incendiary, 5; spontaneous 
combustion, 4; ashes from pipe, 1; expoBure,2; 
curtain near gas, 2; explosion of lamp, 1; ex- 
plosion of gas, 1. 

Overheated stove, 1 ; defective chimney, 1 ; incen- 
diary, 1; mice and matches, 1; breaking lamp, 
1; unknown, 2; careless use of matches, 1; ex- 
plosion oil stove, 1 ; ashes from pipe, 1. 

Ashes in wooden vessel, 2; ashes from pipe, 5; 
careless use of matches, 5; children playing 
with matches, 30; cigar stub in wooden spit- 
toon, 1; defective chimney, 1; exposure, 30; 
fire crackers, 3; incendiary, 56; breaking lamp, 
1; breaking lantern, 12; explosion of lamp, 2; 
explosion of lantern, 3; lightning, 16; mice and 
matches, 3; overheated stove or furnace, 6; 
sparks from chimney, 1 ; sparks from locomo- 
tive, 2; spontaneous combustion of oily rags, 2; 
tramps, 7; volatile oil (naphtha), 2; slaking lime, 
1 ; unknown, 127. 

Hot iron on wood, 2; incendiary, 3; sparks from 
chimney, 4; sparks from forge, 4; exposure, 1; 
unknown, 2; mice and matches, 1. 

Soot igniting, 1. 

Defective chimney, 4; curtain near gas, 2; care- 
less use of matches, 4; smoking in bed, 2; 
unknown, 5; exposure, 2; spontaneous combus- 
tion, 2; overheated stove, 1; mice and matches, 
1. 

Mice and matches, 1. 

Overheated journal, 1. 

Hot iron on wood, 1; sparks from smelter, 1. 

Firebox under boiler, 1. 

Sparks from kiln, 3. 

Sparks from chimney, 1. 

Wood-work near gas, 1; spontaneous combus- 
tion, 1. 

Unknown, 1. 

Mice and matches, 1; careless use of matches, 1; 
overheated stove, 2; unknown, 2; defective 
chimney, 1. 

Overheated journal, 1. 

Soot igniting. 

Spontaneous combustion, 1. 

Sparks from locomotive, 6; tramps, 2; incendiary, 
11; lightning, 1; spontaneous combustion, 4; 
unknown, 2; overheated stove, 2; exposure, 1; 
children playing with matches, 3; explosion of 
lamp, 1. 

Overheated stove, 3; exposure, 1; defective chim- 
ney, 4; sparks from forge, 2; incendiary, 1; 
unknown, 3; spontaneous combustion, 1; fire- 
box under boiler, 1. 

Electric wires, 1; incendiary, 1; fireworks, 1; 
explosion oil stove or lamp, 2; curtain near gas, 
1 ; lightning, 2; defective chimney, 1 ; exposure, 
1; spontaneous combustion, 1; wood-work near 
gas, 1; overheated furnace, 1; unknown, 1. 

Sparks from chimney, 2. 

Cigar stub in wood vessel, 2; lamp near wood- 
work, 1; incendiary, 1; unknown, 3; careless 
use of matches, 1. 

Mice and matches, 1; overheated press iron, 1; 
cigar stub in wooden vessel, 1; unknown, 1; in- 
cendiary, 1. 



INSURANCE COMMISSIONER. 



lxxxv 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Causes of Fire. 



Clothing stores, . 



Club and billiard rooms, 

Cobbler shops, . 

Coffee and spice mills, . . 
Comb factories 

Cotton batting, waste houses, 
and shoddy mills, . 

Cotton mills, . 



• (20) 



(9) 

(4) 

(2) 
(1) 



jute 



• (20) 



(17) <; 



Creameries, . 

Crockery and lamp stores, 

Dining rooms, 



Drug stores, 



Dry and fancy goods stores, 



Dry houses (lumber), 



• (1) 

. (2) 

• (24)- 



(n) <; 



. (43) <( 



(8) 



Dwelling houses, 



(1,213) i 



Dyfe houses, 

Dye woods and chemical works, 
Electric instrument makers, 



(5) | 

(3) 

(2) 



Careless use of matches, 1; unknown, 8; incendi- 
ary, 1; exp'osion lamp.l; gas leaking, 1; break- 
ing lamp, 2; tire crackers, 1; goods near gas, 1; 
spontaneous combustion oily rags, 1; exposure, 
3. 
Mice and matches, 1; cigar stub in wooden vessel, 
2; unknown, 2; sparks from chimney, 1; in- 
cendiary, 2; gas leaking, 1. 
Cigar stub in wooden vessel, 1 ; curtain near gas, 1 ; 

unknown, 1; breaking lamp, 1. 
Overheated journal, 1; overheated furnace, 1. 
Overheated stove, 1. 

fcjparks from picker, 7; spontaneous combustion 
oily rags, 4; unknown, 7; overheated journal, 
1 ; overheated stove. 1. 
Fireworks, 1; sparks from picker, 6; overheated 
journal, 4; spontaneous combustion, 2; un- 
known, 2; incendiary, 1; careless use of 
matches, 1. 
Firebox under boiler, 1. 

Careless use of matches, 1; spontaneous combus- 
tion, 1. 
Careless use of matches, 1 ; cigar stub, 1 ; volatile 
oil (naphtha), 1; fat boiling over, 3; breaking 
lamp, 2; explosion of lamp, 3; fire crackers, 2; 
overheated stove, 5; explosiou of oil stoves, 1; 
unknown, 3; incendiary, 2. 
Defective furnace, 1; exposure, 2; ashes in 
wooden vessel, 2; explosion of lamp, 1; volatile 
oil (naphtha), 3; overheated 6tove, 1; fire- 
works, 1; incendiary, 1; spontaneous combus- 
tion, 1; mice and matches, 2; careless use of 
matches, 1 ; breaking lamp, 1. 
Rats and matches, 3; overheated stove, 2; curtain 
and goods near gas, 9; careless use of matches, 
4; electric wires, 2; unknown, 8; explosiou of 
lamp, 1; breaking lamp, 2; incendiary, 5; ex- 
posure, 4; defective furnace, 1; spontaneous 
combustion, 1. 
Sparks from chimney, 1; fire-box under boiler, 
1; unknown, 3; exposure, 1; overheated steam 
pipe, 2. 
Ashes in wooden vessel, 12; ashes from pipe, and 
pipe in clothes, 27 ; burning off paint, 1 ; careless 
use of matches, 50; children playing with 
matches, lol; cigar stub in wooden spittoon, 5; 
clothes near stove, 17; curtains near gas or 
caudle, 38; defective chimney, 172; exposure, 
111; electric wires, 3; fire works and fire- 
crackers, 11; fat boiling over, 2; fumigating 
with sulphur, 4; gas leaking, 4; explosion of 
gas, 4; hot iron on wood, 2; inceudiary, 54; 
breaking lamp, 77; breaking lantern, 3; explo- 
sion of lamp, 50; explosion of lantern, 1; 
explosion of oil stove, 30; lightning, 6; mice 
aui matches, 36; overheated stove, 50; over- 
heated steam pipe, 1; open funnel hole, 1; 
plumbers' fire-pot, 7; rags in funnel hole, 1; 
sparks from chimney, 35; sparks from locomo- 
tive, 12; sparks from stove and fire-place, 14; 
spontaneous combustion oily rags, 10; sponta- 
neous combustion (cause unknown), 9; soot 
igniting, 23; staitiug tire with oil, 1; thawing 
water pipe, 3; tar boiling over, 1; timber built 
into chimney, 1; woodwork near stove, 6; 
woodwork exposed to gas or candle, 14; vola- 
tile oil (naphtha), 5; smoking in bed, 9; slaking 
lime, 1 ; powder explosion, 1 ; unknown, 187. 
Volatile oil, 2; oil stove tipped over, 1 ; explosion 

of lamp, 1 ; rats and matches, 1. 
Electric spark iguiied naphtha, 1; unknown, 2. 
ttatfl and matches, 1; electric wires, 1. 



lxxxvi 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Causes or Fire. 



Farm buildings, . 



(79) i 



File cutters, . 
Fireworks factory, 
Flour and grist mills, 



(2) 

(2) 
(2) 



r 



Forest fires (80)4 

I 

. • • O) | 

• • • (2) 



Foundries, . 
Freight-houses, . 

Fruit stores, . 
Furniture factories, 

Furniture stores, . 



r 

(10) \ 
(8) 



Furriers 

Gas works 

Glass works, 
Glue factories, 

Grain stores and elevators, 



General country stores, 

Grocery stores, . 

Greenhouses, 

Hardware stores, . 
Harness maker, . 

Henneries, . 



(13) < 

I 

I 
(2)); 

(2) 
(2) 

i 

f 

(18) < 

I 
f 



(8) 



(41)4 



(6) 

(6) 
(3) 

(12) 



Hotels (51) < 



Ice-houses, . 

Jewelry maker, 
Jewelry stores, 



(16) 

(1) 
(5) 



Sparks from chimney, 3; incendiary, 12; un- 
known, 38 ; explosion of lantern, 1 ; exposure, 4 ; 
defective chimney, 12; breaking lanieru, 2; 
child wiih matches, 5; smoking in bed, 1; ashes 
in wooden vessel, 1. 

Sparks from forge, 1; spontaneous combustion, 1. 

Spontaneous combustion, 1; explosion of powder, 
1. 

Unknown, 1 ; incendiary, 1. 

Unknown, 34; sparks from locomotive, 21; ex- 
posure^; incendiary, 6; children with matches, 
4; careless use of matches, 4; tramps, 1; 
breaking lantern, 1. 

Hot iron on wood, 1 ; spontaneous combustion, 1 ; 
unknown, 2; woodwork exposed to gas, 1; 
sparks from cupola, 1 ; overheated cupola, 3. 

Exposure, 1; unknown, 1. 

Volatile oil, 1; woodwork near stove, 1; cigar 
stub in wooden spiitoou, 1; breaking lamp, I; 
explosion of lamp, 1 ; careless use of matches, 1 ; 
fire crackers, 1; unknown, 2; peanut roaster, 1. 

Overheated stove, 1; volatile oil, 1; spontaneous 
combustion oily rags, 3; incendiary, 1 ; fire-box 
under boiler, 1; careless use of matches, 1. 

Careless use of matches, 3; soot, ignition of, 2; 
rats and matches, 1; unknown, 1; curtain 
near gas, ] ; children pi tying with matches, 1 ; 
ci^rar stub in wooden spittoon, 1; spontaneous 
combustion oily rags, 1; overheated furnace, 1; 
ashes in wooden vessel, 1. 

Careless use of matches, 1. 

Firebox under boiler, 1; spontaneous combustion, 
1. 

Unknown, 1 ; thawine water pipe, 1. 

Naphtha vapor, 1; unknown, 1. 

Exposure, i; thawing water pipe, 1; rats and 
matches, 1; unknown, 3; sparks from locomo- 
tive, 1; incendiary, 1. 

Defective chimney, 2; unknown, 5; explosion of 
lamp, 1; breaking lamp, 2; spontaneous com- 
bustion oily rags, 1; incendiary, 4; lightning, 1; 
goods near gas, 1 ; exposure, 1. 

Careless use of matches, 3; exposure, 2; incen- 
diary, 3; unknown, 15; rats and match - 
breaking lamp, 2; sp irks from locomotive, 1; 
explosion of oil stove, 2; cigar stub in wooden 
spittoon, 1 ; overheated stove, 1 ; defective 
chimney, 1; spontaneous combustion, 3: sparks 
from chimney, 1; explosion of lamp, 1; volatile 
oil, 1. 

Exposure, 1; defective chimney, 1; unknown, 2; 
incendiary, 1; spontaneous combustion, 1. 

Unknown, 3; spontaneous combustion oily rags, 
1; ashes from pipe, 1; breaking lamp, 1. 

Exposure, 1; curtain near gas, 1; unknown, 1. 

Lamp in brooder, 3; incendiary, 3: fumigating, 
1; unknown, 6; children playing with matches, 
1 ; exposure, 1. 

Sparks from stove, 1; curtain near gas, 2: spon- 
taneous combustion, 1; exposure, 6; unknown, 
11; incendiary, 3; careless use of matches, 3; 
cigar stub in wooden spittoon, 2; soot igniting, 
2; fat boiling over, 2; rats and matches, 3; 
breaking lamp, 3; defective chimney, 3: elec- 
tric wire, 1; explosion of lamp, 2; overheated 
stove or furnace, 4; explosion of oil stove, 1; 
sparks from chimney, 1. 

Child with matches, 2; lightning, 1; unknown, 
3; incendiary, 7; sparks from locomotive, 2; 
tramps, 1. 

Explosion of ga«, 1. 

Careless use of matches, 1 ; defective chimney, 1; 
rats and matches, 2; curtain near gas, 1. 



INSURANCE COMMISSIONER. 



lxxxvii 



Table XVI. — Causes of Fires Classified — Continued. 



Property. 



Junk stores, . 

Lampblack works, 
Laundries, . . 

Leather stores, 
Liquor stores, 

v 

Livery stables, 

Lodge-rooms, 
Lumber yards, 

Machine shops, . 



Markets (meat and fish), 

Millinery stores, . 

Oil clothing factory, . 
Oil refineries, 
Oil and paint stores, . 
Paint mills, . 



Paint shops, 



Paper box makers, 
Paper and twine stores, 



Paper mills, 



Photographers, . 
Pork-packing establishment, 
Potteries, .... 



Printing offices, . 

Public buildings, . 

Railroad depots, . 

Rubber mills, 
Sail makers, . 



Saw and planing mills, 
School houses, 



(12) < 



(2) 
( 

i 

(3)! 
(8) 



(60)< 

I 

I 

(3)| 
(11) 

(34) 

(o) 

(8) 

(1) 
(2) 
(3) 
(1) 

(15) 

(1) 
(1) 

r 

(9)<j 

i 

I 
(4}| 

(1) 

(4)j 
(16) 

(7) j 
7)5 



(7) 

(1) 
(1) 

(18) 
(9) 



Causes of Fire. 



Ashes in Avooden vessel, 1 ; rats and matches, 1 
careless use of matches, 2; ashes from pipe, 2 
incendiary, 1; spontaneous combustion, 2 
6parks from locomotive, 1; breaking lantern, 1 
overheated fctove, 1. 

Backdraft from furnace, 2. 

Unknown, 2; careless use of matches, 1; expos- 
ure, 1; defective chimney, 1; wood work near 
stove, 1; overheated dry-room, 1; naphtha 
vapor, 1; overheated journal, 1. 

Unknown, 1; woodwork near stove, 1; cigar stub 
in spittoon, 1. 

Vapor of alcohol, 1; incendiary, 1; unknown, 3; 
children playing with matches, 1; breaking 
lamp, 1; electric wires, 1. 

Unknown, 22; careless use of matches, 1; incen- 
diary, 9; lightning, 1; exposure, 9; children 
playing with matches, 4; explosion of lamp, 1; 
stove-pipe near wood, 1; overheated stove, 1; 
ashes in wooden vessel, 1; rats and matches, 2; 
sparks from bonfire, 1 ; soot, 1 ; ashes from 
pipe, 3; breaking lantern, 1; plumber's fire-pot, 
1; sparks from locomotive, 1. 

Electric light, 1; defective chimney, 1; thawing 
water-pipe, 1. 

Unknown, 1 ; child playing with matches, 2; over- 
heated steam pipe, 1; exposure, 1; incendiary, 
5; spaiks from locomotive, 1. 

Overheated steam pipe, 2; ashes in wooden ves- 
sel, 2; rats and matches, 1; spontaneous com- 
bustion, 4; volatile oil, 1; soot igniting, 1; 
defective chimney, 2; sparks from chimney, 5; 
sparks from locomotive, 3; fire crackers, 1; ex- 
posure, 3; from fire-box under boiler, 2; incen- 
diary, 2; unknown, 4; breaking lamp, 1. 

Unknown, 2; fire crackers, 1; incendiary, 1; 
wood-work near stove, 1. 

Careless use of matches, 1 ; electric wire, 1 ; un- 
known, 2; explosion oil lamp, 1; incendiary, 1; 
exposure, 1 ; curtain near gas, 1. 

Unknown, 1. 

Spontaneous combustion, 1; naphtha, 1. 

Spontaneous combustion oily rags, 2; unknown, 1. 

Breaking lamp, 1. 

Unknown, 3; spontaneous combustion oily rags, 
7; incendiary, 3; exposure, 1; explosion of 
chemicals, 1. 

Overheated steam pipe, 1. 

Overheated journal, 1. 

Overheated stove, 1; unknown, 3; explosion of 
lamp, 1; electric wire, 1; sparks from chimney, 
1; overheated journal, 1; spontaneous combus- 
tion, 1. 

Unknown, 1; wood-work near stove, 1; child 
playing with matches, 1 ; overheated stove, 1. 

Unknown, 1. 

Unknown, 1; sparks from chimney, 1; over- 
heated kilns, 2. 

Electric wires, 1 ; unknown, 3; explosion of lamp, 
1; rats and matches, 4; spontaneous combustion 
oily rags, 2; firebox uuder boiler, 1; ashes 
from pipe, 1; exposure, 2; ashes in wooden 
vessel, 1. 

Spontaneous combustion oily rags, 1 ; soot, 1 ; 
unknown. 3; exposure, 2. 

Defective chimney, 1; unknown, 1; incendiary, 
2; exposure, 1; spontaneous combustion, i; 
overheated furnace, 1. 

Spontaneous combustion, 1. 

Unknown, 1. 

Sparks from chimney, 3; unknown, 9; fire-box 
under boiler, 3; incendiary, 2; spontaneous 
combustion oily rags, 1. 

Unknown, 5; incendiary, 1; child playing with 
matches, 1; soot, 1; slaking lime, 1. 



lxxxviii 



REPORT OF THE 



Table XVI. — Causes of Fires Classified — Concluded. 



Property. 



Causes of Fire. 



Sheds and outbuildings, 



Shoe factories, 



Shoe stores, 



. (43H 



• (33) i 



(8) 

(5) j 

(2) 
(3) 
(8) 

r 

i 

(38)« 

I 
(8)5 

(6) 



Slaughter-houses, 

Smoke houses, 
Soap makers, 
Stone workers, 



Store-houses, 



Stove and tinware shops, 



Tailors (merchant), . 



Tanners, curriers and morocco dress- $ 

ers (11) J 

Theatres (2) 

Trunk and bag makers, . . . (2) 

r 

Unclassed, (l")s 

I 
I 

Undertakers, (2) 

r 



Unoccupied, .... 

Upholsterers, 

Vessels at wharf, 

Wax and cement makers, . 

Wood and coal yards, 
Whip factories, . 

Wood-workers (no power), 



(93)4 

i 

I 

I 
(2) 

(6) j 

(1) 

(19) 

(3) 

(15) t 
{ 

r 



Wood-workers (with power, carriage 
and furniture factories not included) , (30) * 



Woollen mills (6) 



Unknown, 10; breaking lamp, I; explosion oil 
stove, 1; sparks from locomotive, 3; exposure, 
3; incendiary, 10; tramps, 1; ashes in wooden 
vessel, 2; overheated stove, 2; explosion of 
lamp, 2; child playing with matches, 4; spon- 
taneous combustion, 2; ashes from pipe, 1; 
cigar stub in wooden spittoon, 1. 

Cement from gas jet, 1; tire-box under boiler, 4; 
unknown, 8; incendiary, 3; explosion of chemi- 
cals, 1 ; ashes from pipe, 1 ; overheated furnace, 
1; exposure, 4; spark in dust veutilator, 1; 
spontaneous Combustion oily rags,:i; ashes in 
wooden vessel, 1; sparks from chimney 1; gas 
leaking, 1; overheated steam pipe, 1; breaking 
lamp, 1; defective chimney, 1. 

Cigar stub in wooden spittoon, 1; unknown, 3; 
incendiary, 1; exposure, 1; spontaneous com- 
bustion, 1 ; electric wires, 1. 

Unknown, 2; incendiary, 1 ; ashes in wooden ves- 
sel, 1; careless use of matches, 1. 

Sparks from tire place, 1 ; overheated oven, 1. 

Unknown, 2; fat boiling over, 1. 

Incendiary, 1 ; overheated stove, 1; unknown, 1. 

Slaking lime, 3; ashes in wooden vessel, 1; un- 
known, 12; spontaneous combustion, 4; in- 
cendiary, 6; tramps, 1; sparks from locomotive, 
2; defective chimney, 2; electric wires, 1; care- 
less use of matches, 1 ; exposure, 4 ; child playing 
with matches, 1. 

Explosion of lamp, 1; plumber's fire-pot, 1; un- 
known, 2; overheated stove, 2; lightning, 1; 
detective chimney, 1. 

Incendiary, 1; unknown, 1; cigar stub in waste, 
1; exposure, 1; explosion of oil stove, 1; hot 
iron on wood, 1. 

Sparks from emery wheel, 3; exposure, 2; spon- 
taneous combustion, 2; sparks from chimney, 
1; incendiary, 2; unknown, 1. 

Cigar stub, 1; curtain near gas, 1. 

Unknown, 1; spontaneous combustion, 1. 

Exporure, 4; defective chimney, 1; careless use 
of matches, 2; electric light, 1; fire crackers, 2; 
cigar stub. 1; spontaneous combustion, 2; in- 
cendiary, 1; unknown, 1; explosion of lamp, 1; 
explosion of oil stove, 1. 

Incendiary, 1; exposure, 1. 

Plumber's fire pot, 1; incendiary, 47; tramps, 1; 
unknown, 22; careless use of matches, 1; ex- 
posure, 6; lightning, 2; defective chimney, 2; 
children playing with matches, 3; tar boiling 
over, 1; sparks from chimney, 1; gas leakiug, 
1; soot igniting, 1; explosion of lamp, 1; over- 
heated stove, 2; spontaneous combustion oily 
rags, 1. 

Unknown, 1; electric wires, 1. 

Wood-work near boiler, I; explosion of lamp, 1; 
overheated stove, 3; unkuown, 1. 

Cement boiled over, I. 

Incendiary, 5; sparks from engine, 2; sparks 
from locomotive, 2; spontaneous combustion of 
coal, 9; unknown, 1. 

Unknown, 1; incendiary, 1; spontaneous com- 
bustion, 1. 

Overheated stove, 2; unknown, 3; incendiary, 6; 
careless use of matches, 1; defective chimney, 
1 ; ashes from pipe, 1 ; cigar stub in wooden 
spittoon, 1. 

Overheated journal, 4 ; defective chimney, 1 ; spon- 
taneous combustion, 3; tire-box under boiler, 6; 
sparks from chimney, 1; wood-work near gas, 
1; overheated boiler, 1; sparks from locomj- 
tive, 1; ashes from pipe, 1 ; incendiary, 2; un- 
known, 5; sparks from emery wheel, 2 ; expo- 
sure, 2. 

Sparks from picker. 1: unknown. 3; overheated 
journal, 1; overheated steam pipe, 1. 



INSURANCE COMMISSIONER. 



lxxxix 



Table XVII. — Summary of Causes. 





1 


1891. 


1890. 


1889. 


1888. 


1887. 


1886. 


1885. 


1884. 


Unknown, 


■ 
656 


487 


546 


605 


507 


484 


466 


422 


Incendiary, 


303 


251 


235 


231 


256 


289 


278 


270 


Defective chimney, 


222 


220 


165 


196 


222 


168 


158 


150 


Exposure, 


239 


143 


477 


205 


183 


210 


204 


307 


Kerosene oil (breakage and ex- 


















plosion), 


248 1 


235 


217 


188 


176 


116 


114 


136 


Careless use of matches, 


98 ! 


81 


90 


113 


89 


62 


48 


45 


Fire-crackers, 


25 ! 


30 


3 


87 


85 


34 


16 


64 


Overheated stove or furnace, 


106 


101 


98 


93 


83 


80 


68 


75 


Children playing with matches, . 


164 


127 


116 


89 


75 


54 


61 


78 


Smoking, 


44 


32 


33 


49 


58 


20 


32 


41 


Smoking in bed 


12 ' 


6 


3 


3 


14 


14 


_ 


_ 


Sparks from chimney, . 


67 


56 


43 


59 


49 


30 


75 


59 


Curtains and goods exposed to gas 


















or candle, 


63 


46 


38 


45 


48 


31 


49 


42 


Lightning 


31 


45 


25 


42 


47 


28 


37 


29 


Sparks from locomotive, 


60 


48 


34 


42 


38 


23 


15 


26 


From fire-box (boiler room), 


25 


18 


17 


10 


26 


18 


11 


14 


Spontaneous combustion, oily rags, 


41 


35 


45 


27 


26 


_ 


_ 


- 


Spontaneous combustion, cause 


















unknown, 


61 


88 


28 


51 


23 


61 


60 


61 


Mice and matches 


73 


50 


25 


31 


25 


18 


10 


28 


Soot igniting 


34 


28 


35 


29 


18 


20 


8 


8 


Ashes in wooden vessels, 


29 


36 


19 


34 


17 


21 


14 


26 


Wood-work near stove or funnel, 


13 


18 


11 


18 


17 


5 


11 


8 


"Wood-work near gas or candle, . 


19 


16 


14 


16 


_ 


5 


_ 


_ 


Volatile oil, ignition of , . 


23 


20 


16 


21 


15 


15 


10 


12 


Overheated journal, 


15 


12 


17 


13 


14 


10 


13 


6 


Fat boiling over 


9 


* 18 


9 


6 


14 


4 


7 


3 


Electric wires, .... 


18 


21 


7 


8 


14 


4 


3 


6 


Sparks from picker, 


15 


11 


6 


6 


12 


9 


2 


5 


Sparks from stove or fireplace, 


19 


25 


7 


26 


11 


8 


12 


3 


Cigar stub in wooden spittoon, 


28 


20 


15 


9 


10 


7 


_ 


_ 


Clothes drying near stove, 


17 


21 


12 


15 


10 


5 


7 


16 


Hot iron on wood-work, 


8 


5 


7 


4 


7 


3 


1 


4 


Sparks from forge, .... 


7 


6 


8 


5 


7 


5 


2 


7 


Thawing water pipe, 


6 


12 


8 


27 


7 


15 


12 


20 


Explosion of gas, .... 


7 


11 


8 


5 


5 


3 


3 


4 


Tar boiling over, .... 


2 


1 


4 


1 


4 


2 


4 


1 


Rags in funnel hole, 


1 


1 


2 


_ 


4 


2 


_ 




Timber built into chimney, . 


1 


5 


_ 


_ 


3 


_ 


2 


3 


Overheated steam pipe, . 


8 


3 


4 


7 


3 


4 




4 


Starting fire with kerosene, . 


1 


3 


2 


4 


3 


4 


_ 




Overheated oven 


4 


7 


8 


5 


2 


3 


_ 


_ 


Tramps 


14 


16 


14 


10 


2 


10 


4 


14 


Sparks from emery wheel, . 


5 


2 


1 


_ 


1 


_ 


_ 




Plumber's fire-pot, .... 


10 


4 


7 


4 


_ 


3 


5 


8 


Slaking lime 


6 


7 


1 


5 


1 


3 


3 


3 


Sparks from kiln (brick), 


3 


7 


3 


_ 


_ 


3 


1 


4 


Explosion of boiler, 


_ 


4 


1 


_ 


_ 


2 


2 


1 


Burning sulphur (fumigating), 


5 


4 


2 


_ 


_ 




_ 


_ 


Reflected rays of sun, . 


_ 


1 


2 


_ 


_ 


_ 


_ 




Sparks from smelting furnace, 


- 


3 


_ 


_ 


_ 


_ 


_ 


1 


Burning off paint, .... 


1 


2 


_ 


_ 


_ 


_ 


_ 


_ 


Meltinv resin 


_ 


4 


_ 


_ 


_ 


_ 


_ 


„, 


Gas leaking 


9 


5 


_ 


_ 


_ 


_ 


_ 


_ 


Open funnel hole, .... 


1 


7 


_ 


_ 


_ 


_ 


_ 


_ 


Railroad collision, .... 


_ 


2 


_ 


_ 








_ 


Overheated kiln 


2 




_ 


_ 










Overheated cupola, 


3 


_ 


_ 


— 


_ 


_ 






Wax boiling over, .... 


1 


_ 


_ 


_ 


_ 








Powder explosion, .... 


1 


_ 


_ 


_ 


_ 


_ 






Spontaneous combustion of coal, . 


9 


- 


- 


- 


- 


- 


- 


- 




2,892 


2,471 


2,490 


2,446 


2,238 


1,920 


1,828 


2,011 



xc 



REPORT OF THE 



Table XVIII. — Fires by Months for Fourteen Years. 



YEAR. 


>> 

L 

1 

£ 


>> 

■— 
a 
a 
u 


o 

u 


I 

— 

< 




- 
a 
a 


>> 


p 

be 

3 
< 


• 
— 
= 

- 

0Q 


■- 

• 

o 
a 


- 
E 

- 

t 

Z 


u 

I 
a 

S 

B 

a 


■ 
■— 

o 


1878, . 


168 


107 


126 


141 


162 


125 


155 


133 


142 


170 


157 


142 


1,728 


1879, . 


161 


155 


144 


190 


134, 


129 


164 


141 


146 


162 


147 


179 




1880, . 


108 


143 


137 


147 


116 


133 


157 


155 


124 


1 .-. 


144 






1881, . 


175 


142 


135 


195 


131 


101 


163 


100 


111 


193 


132 


116 


1,694 


1882, . 


143 


126 


130 


174 


150 


194 


147 


151 


97 


145 


172 


129 




1883,* 


187 


130 


156 


140 


192 


151 


245 


286 


223 


129 


169 


-. 




1884, . 


191 


137 


. H7 


117 


163 


219 


268 


130 


138 


178 


158 


195 


2,011 


1885, . 


175 


117 


164 


206 


145 


156 


190 


133 


162 


143 


91 


146 




1886, . 


142 


172 


159 


159 


136 


155 


222 


124 


149 


169 


147 




1,920 


1887, . 


161 


138 


170 


180 


324 


161 


251 


146 


134 


202 


179 




. \ - 


1888, . 


225 


154 


199 


265 


198 


175 


335 


172 


147 


151 


176 




2,446 


1889, . 


201 


183 


229 


221 


203 


150 


157 


141 


145 


187 


49S 


175 




1890, . 


228 


172 


180 




181 


172 


308 


183 


146 


189 


175 


259 




1891, . 


189 


195 


212 


292 


271 


226 


268 


232 


183 


248 


281 


2S9 




Total, . 


2,454 


2,071 


2,258 


2,70.") 


2,506 


2,247 


3,031 


2 227 


2,046 


2,439 


2,632 


-, ■ 




Average, 


175 


148 


161 


193 


179 


161 


216 


160 


14S 


» 






21,092 



* Prior to 1883 no returns were made of " forest fires," and consequent]}' they do not appear 
in the tabulation until that year. They are included each year since, and are aa follows : In 
1883,99; 1884,46; 1885,66; 1886, 90; 1887, 127; 1888, 105; 1S89, 76; 1S90, 64; 1891, SO; thereby 
increasing the ratio of the last-named years over the former ones. 



INSUKANCE COMMISSIONER. 



xci 



Table XIX. — Statement of the Receipts and Expenditures of the 
Insurance Department for the Year ending Dec. 31, 1891. 

[Made pursuant to Chap. 214, Sect. 17, Acta of 1887.] 

Receipts. 



Compensation for valuation of life insurance policies, 
License fees, filing statements, certificates, etc., . 



$21,133 32 
35,053 00 



56,186 32 



Expenditures. 



Commissioner. 














$3,500 00 


Deputy Commissioner 














2,500 00 


Clerks. 








Fred L Cutting, First, . . . . 


|2,000 


00 




James E. Shepard, Second, 


. . 


1,500 00 




Philip A. Hartley, Third, . 


. 


1,200 00 












4,700 00 


Extra Clerks 








Emma W. Cushman, . 




$1,350 C 




Alice M. Hawes, . 








1,200 


00 




Charlotte E. Weis, 








1,000 00 




M. E. Burrill, . 








920 


00 




Ellen J. Cusack, 








920 


00 




Mary L. McMann, 








840 


00 




Ella L. Johnson, . 








840 


00 




Sarah E. Flint, 








840 


00 




Florence E. Gowell, . 








840 


00 




Fannie M. Page, .... 








840 


00 




Caroline L. Sawyer, 








840 


00 




Francis M. Kobbins, 








680 


00 




Grace L. Moore, . 








620 


00 




Virginia I. Bryant, 








575 


00 




Afire N. Tenney, . 








420 


00 












12,725 00 


General Expenditures 








Printing and binding, . 


. 


$1,791 


20 




Travelling expenses, . 




233 


23 




Postage, 




433 00 




Stationery, 






86 


49 




Telegrams and express, 






150 


95 




Books, newspapers, etc , 






87 


30 




Stenographic work, . 






49 00 










2,831 17 








Total expenditures for 1891, 


126,256 17 


Fees collected and paid into State Treasury, 


• 


• 


56,186 32 


Surplus accrued to Commor 


i weal 


th, 


• 


$29,930 15 



MASSACHUSETTS MUTUAL 



FIRE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year Ending 

December 31, 1891. 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ABINGTOX MUTUAL FIRE INSURANCE COMPANY, 

ABINGTON. 

[Incorporated May 30, 1856. Commenced business June 15, 1867.] 
HENRY B. PEIRCE, I*r-eside?it. CARLOS P. FAUNX'E, Secretary. 

Amount of permanent fund, $ 41,728 54 



Detailed Statement of Stocks, 



N K. Telephone and Telegraph Co bonds, 
Boston United Gas Co. bonds, . 
Marion County (Ind.) bonds, . 
Ramsey County (Minn ) bonds, 
Equitable Mort. Co. debenture bonds, 
Toledo (Ohio) city bonds, 
Omaha (Xeb ) city bonds, 
Lincoln (Xeb ) city bonds, 
St Paul (Minn.) city bonds, 
Los Angeles (Cal ) sewer imp bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Portland & Ogdensburg R.R. bonds, 
Xaumkeag Street Railway bonds, . 
Rutland R.R. bonds, .... 

Providence & Springfield R.R. bonds, 

20 shares Oregon Railway & Navigation Co , 
10 " State National Bank, Boston, . 

10 " Xat'l Hide & Leather Bank, Boston 
14 " First Xational Bank, Salem, 

21 " First Xational Bank, Danvers, . 

34 " Metropolitan National Bank, Boston 
5 " Old Boston Xational Bank, Boston, 
20 " South End National Bank, Boston, 
13 " Abington Xational Bank, Abington, 
5 " Whitman Xational Bank, Whitman, 



Bonds, etc. 

Par Value. 
$1,000 00 

2,000 00 
1,000 00 
1,000 00 
1,000 00 
2,000 00 
2,000 00 
2,000 00 
1,000 00 
2,000 00 
2,500 00 
5,000 00 
8,000 00 
3,00) 0) 
1,000 00 
2,n00 00 
1,000 00 
1,000 00 
1,400 00 
1,575 00 
3,400 00 

500 00 
2,000 00 
1,300 00 

250 00 



Summary of Assets Dec. 31, 1891. 
Cash value of unencumbered real estate, . $4,500 00 

Loans on mortgage of real estate (first liens), 36,380 CO 

Stocks, bonds, etc., as per schedule, . . . 46,506 63 

Loans on personal security, .... 675 00 



Market Value. 

$1,020 00 

00 

1,080 00 

1,120 00 

1,000 00 

30 00 

10 CO 

il 25 

1/250 00 

2.<»2> 00 

12 50 

50 00 

3,000 00 

12 50 

1,012 50 

1,8 00 

1,212 50 

1,200 00 

'3 00 

1,708 13 

to 00 

591 25 

2,040 00 

1,690 00 

I (0 



843,925 00 $46,51 6 63 



1891.] 



INSURANCE COMPANIES. 



Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Balance due on real estate sold, 
Gross assets, 



H.643 47 

5,325 96 

1,300 52 

4,232 89 



$1C0,5G4 47 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 



f 1,165 93 
2,000 00 



$3,165 93 
666 67 

$2,499 26 

62,658 07 

676 91 

150 00 



65,984 24 



Net cash assets, 



$34,580 23 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 

for rents, 

from all other sources, 



$47,415 73 
3,713 83 

$43,701 90 

2,567 33 

2,553 69 

526 25 

68 46 



Gross cash income, 



$49,417 63 



Expenditures. 



Paid for losses during the year, 
Deduct re-insurance, 



Net paid for losses, .... 

Paid for brokerage and commissions, 
for salaries and fees of officers and 
for State and local taxes, . 

for rents, 

for profits or surplus on terminated 
for repairs on real estate, . 
for incidental expenses, . 



employees, 



policies, 



$22,527 28 
32 45 

$22,494 83 

6,875 35 

3,433 75 

552 95 

435 00 

13,617 74 

89 7;; 
1,696 40 



Gross cash expenditures, 



$19,195 75 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Risks outstandingDec. 31,1890, 
Risks written during 1891, 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

$8,136,418 00 1122,419 14 §122,419 14 

3,324,204 00 46,758 72 46,768 72 



Total, .... 
Risks terminated during 1891, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



11,460,622 00 $169,177 86 $169,177 86 
3,029,270 00 42,635 33 42,635 33 



1,431352 00 $126,542 53 $126,542 53 
84,346 00 1,226 38 



$8,347,006 00 $125,316 15 



Losses incurred during the year, $19,693 45 

Percentage of profits or surplus returned during 1891, 25, 40, 60 per cent. 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Incorporated March 1, 1847. Commenced business Dec. 28, 1847.] 

MOSES H. CLOUGH, President. JAMES S. JEWETT, Secretary. 

[Note. — This company charges a cash premium adequate for expenses only, and relies upon 
assessments on deposit notes to pay losses.] 



Amount of permanent fund Dec. 31, 1890, 
Increase during the year, . . . . . 



Permanent fund Dec. 31, 1891, 



|244 42 

5 69 

?250 11 



Summary of Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens), 

United States bonds, .... 

Loans on personal security, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, . 

Office safe, $85 00 

Gross assets, 

Income. 

Received for interest on mortgages, 

for interest from all other sources, . 
from assessments on deposit notes, . 



$3,112 00 
582 50 
300 00 
309 78 
3,830 62 
153 50 



$8,288 40 



$163 32 

24 97 

A 81 



Gross cash income, 



$473 10 



1891.] 



INSURANCE COMPANIES. 



Expenditures. 
Paid for salaries and fees of officers aud employees, 
for state and local taxes, . 

for rents, 

for incidental expenses, . 

for expense assessments returned, 



Gross cash expenditures, 



Miscellaneous 



Risks outstanding Dec. 31, 1890, 
Risks written during 1891, 



Total, 

Risks terminated during 1891, . 

In force at end of year, . 



Amount. 

$375,632 00 
81,375 00 



$457,007 00 
80,975 00 



$350 00 


3 00 


20 00 


10 49 


27 10 



$410 59 



Conting*t Prem's. 

$24,225 65 
5,306 75 



$29,532 40 
5,279 50 



$376,032 00 $24,252 90 



ARK WRIGHT MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 8, 1860. Commenced business Oct. 1, I860.] 
R. W. TOPPAN, President. D. W. BARTLETT, Secretary. 

Office, No. 31 Milk Street. 



Detailed Statement of Stocks, 



United States bonds, . 

Massachusetts State bonds, 

Worcester city bonds, 

Cambridge city bonds, 

Boston city bonds, . 

Providence city bonds, 

Waltham city bonds, 

Lowell city bonds, . 

Springfield city bonds, 

Town of Brookline bonds, 

Boston & Albany Railroad bonds, . 

Boston & Maine Railroad bonds, 

Boston & Lowell Railroad bonds, 

Boston & Providence Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago June. R.R. & Union S^k Y'ds bonds 

Old Colony Railroad bonds, 

Fitchburg Railroad bonds, 

Eastern Railroad bonds, . 

Philadelphia, Wilm. & Baltimore R.R. bonds, 

New York, Providence & Boston R.R. bonds, . 

50 shares Chicago, Burlington & Quincy R.R , 



Bonds, etc. 

Par Value. 

$25,000 00 
20,000 00 
25,000 0U 
15,000 00 
20,000 00 
45,000 00 
10,000 00 
20,000 00 
20,000 00 
10,000 00 
33,000 00 
25,000 00 
12,000 00 
20,000 00 
85,000 00 
25,000 00 
45,000 00 
25,000 00 
35,000 00 
20,000 00 
10,000 00 
5,000 00 



Market Value. 

$29,250 00 
20,500 00 
24,250 00 
15,450 00 
23,450 00 
47,700 00 
10,200 00 
20,700 00 
2<>,300 00 
10,000 00 
33,150 00 
26,0u0 00 
12,480 00 
20,300 00 
89,950 00 
23,750 00 
47,315 00 
25,250 00 
42,175 00 
20,800 00 
9,900 00 
5,450 00 



$550,010 00 $078,320 00 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Summary of Assets Dec. 31, 1891. 

Stocks, bonds, etc., as per schedule, . . $578,320 00 

Cash in the office of the company, . . . «;74 75 

Cash deposited in bank, 39,385 86 

Premiums in course of collection (gross), . 1,479 28 

Interest due and accrued, 9,441 58 

Gross assets, 

Liabilities. 

Losses claimed and reported, .... $8,319 29 

Unearned premiums on outstanding risks, . 333,409 69 

Taxes accrued, 1,219 04 

Gross liabilities, 



$629,3 )4 4i 



342,94* 



Net cash assets, $286,35' 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



$710,831 
19,317 



Net cash premiums received, .... 
Received for interest from all other sources, . 



$691,514 74 
20,116 64 



Gross cash income, $711,631 38 

Expenditures. 



Paid for losses, 

for salaries and fees of officers and employees, 
for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, 

for inspections, 

for incidental expenses, .... 

Gross cash expenditures, .... 



$183,713 97 

18,833 32 

6,511 98 

1,159 22 

309,914 

11,400 37 

4,833 15 



$536,366 71 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1890, $52,506,795 00 $445,197 43 $2,225,987 15 

Risks written during 1891, . 97,483,13100 712,30193 3,561,509 65 



Total $149,989,926 00 $1,157,499 36 £5,787,496 80 

Risks terminated during 1891, . 65,829,113 00 490,679 97 2,453,399- 



In force at end of year, . -84,160,813 00 $666,819 39 $3,334,096 95 

Losses incurred during the year, $186,508 29 

Percentage of profits or surplus returned during 1891, 65 T Vo P er cent - 
Average rate to date, 71^-q per cent. 



1891.] 



INSURANCE COMPANIES. 



ASIIFIELD MUTUAL FIRE INSURANCE COMPANY, 

ASHFIELD. 

[Incorporated June 4, 1873. Commenced business July 19, 1873.] 

CHARLES HOWES, President. HENRY S. RANNEY, Secretary. 

[Note. — Insurance property in the town of Ashrleld only.] 

Summary of Assets Dec. 31, 1891. 

Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Gross assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, .... 

Expenditures. 

Paid for State and local taxes, . 
for incidental expenses, . 

Gross cash expenditures, . 

MlSCELLA>EOUS 



Risks outstanding Dec. 31, 1890, 
Risks written during 1891, 

Total, .... 

Risks terminated during 1891, 

In force at end of year, . 



$17 63 






5 


07 






696 


59 










$719 
|36 


29 
72 






• 


• 


2 


32 


. 


$34 40 


• 


• 


24 


43 



$58 83 



$0 13 
10 

$0 23 



Amount. 

$39,749 00 
7,293 00 

$47,042 00 
3,386 00 



Conting*t Prem's. 

$1,293 66 
218 81 



$1,512 47 
101 49 



$43,656 00 $1,410 98 



ATTLEBOROUGII MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGII. 

[Incorporated Feb. 24, 1844. Commenced business July 1, 1845.] 
JOSEPH W. CAL'RON, President. E. R. REED, Secretary. 

Permanent fund Dec. 31, 1891, $16,550 59 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens) 
Attleborough fire district notes, 
Cash in the office of the company, . 
Cash deposited n bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1891. 

$10,015 00 

13,000 00 

97 71 

2,604 77 

33 90 



$25,751 38 



8 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Incidental expenses, . . . 

Gross liabilities, 

Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



$400 00 

5,183 53 

70 56 



Net cash premiums received, .... 
Received for interest on mortoraores, 

for interest from all other sources, . 

from all other sources, 



Gross cash income, 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employ 

for interest on borrowed money, 

for State and local taxes, .... 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $1,815,681 00 
Risks written during 1891, . 510,441 00 



ees, 



Cash Prem's. 

$10,439 13 
2,594 11 



Total, $2,326,122 00 

Risks terminated during 1891, . 488,343 00 



In force at end of year, . . $1,837,779 00 
Losses incurred during the year, 



$13,033 24 
2,666 18 

$10,367 06 



54 09 



$20,097 29 

$2,560 21 
45 93 



52,514 28 
526 19 
381 48 
398 00 



$3,819 95 

$2,930 00 

796 00 

50 00 

17 50 

19 97 



3 47 



Continp't Prem's. 

$20,878 26 
5,188 22 

$26,066 48 
5,332 36 

$20,734 12 
$400 00 



BARNSTABLE COUNTY MUTUAL FrRE INSURANCE COMPANY 

OF YARMOUTH. 

[Incorporated March 2, 1833. Commenced business Aug. 1, 1833.] 
JOSEPH R. HALL, President. FRANK THACHER, Secretary. 

Amount of permanent fund, $57,364 80 

Detailed Statement of Stocks, Bonds, etc. 

Tar Value. Market Value. 

13 shares Winthi op National Bank, Boston, . a 1,300 00 $1,495 00 

20 " State National Bank, Boston, . . 2,000 00 25 00 

25 " Tremont National Bank, Boston, . 2,500 00 2,590 62 



1891.] 



INSURANCE COMPANIES. 



10 shares Massachusetts Nat'l Bank, Boston, 
8 " Shawm ut National Bank, Boston, 
5 " Nat'l Bank of the Republic, Boston 

Jo " Nat'l Bank of Redemption, Boston, 

28 " First National Bank, Yarmouth, 

10 " Falmouth National Bank, . 

50 " Massachusetts Real Estate Co., 

30 " Boston Investment Co , 

63 " Old Colony Railroad, 

49 " Union Pacific Railroad, 
8 " Central Pacific Railroad, . 

50 " Atchison, Topeka & Santa Fe R.R., 
86 " National Tube Works Co., 
Fall River city bonds, 
Union Pacific Railroad bonds, . 
Old Colony Railroad bonds, 
Iowa Falls & Sioux City Railroad bonds 
Chicago & E. Illinois Railroad bonds, 
Oregon Short Line stock and bonds, 
Illinois Steel Company bonds, . 
Western farm mortgage bonds, 



$1,000 00 

800 00 

500 00 

1,500 00 

2,800 00 

1,000 00 

5,000 00 

3,000 00 

6,300 00 

4,900 00 

800 00 

5,000 00 

8,600 00 

1,000 00 

10,000 00 
5,000 00 
2,000 00 
2,500 00 
2,000 00 
1,000 00 

10,400 00 



81,062 50 
1,000 00 
813 75 
1,860 00 
3,864 00 
1,000 00 
5,000 00 
3,000 00 

10,379 25 
2,400 00 
335 00 
2,707 50 
8,600 00 
1,180 00 

10,962 50 
5,500 00 
2,565 00 
2,925 00 
2,117 50 
955 00 

10,400 00 



f80,900 00 $85,137 62 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule, 
Loans on personal security, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Gross assets, 



$2,000 00 
700 00 

85,137 62 
8,932 40 
1,450 08 
6,537 88 
1,842 33 



$106,600 31 



Liabilities. 

Unearned premiums on outstanding risks, . $55,519 12 

Taxes accrued, 48 85 

Gross liabilities, 



55,567 97 



Net cash assets, . . $51,032 34 



Income. 

Cash premiums received, 

Received for interest on mortgages, 

for interest from all other sources, . 



$29,726 30 

21 00 

4,812 32 



Gross cash income, 



$34,559 62 



10 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, 



Risks outstanding Dec. 31 , 1890, 
Risks written during 1891, 



Miscellaneous. 

Amount. 

6,531,257 00 
1,734,031 00 



Cash Prem'8. 

$108,505 85 
29,188 87 



Total, . 

Risks terminated during 1891, 



$8,265,291 00 
1,574,269 00 



$ 137,694 72 
26,656 48 



$6,492 58 
5,296 00 
28< 

21,325 21 
1,20! 46 

$34,602 07 



Con t nig' t Prem*s. 
$325,517 
B7,566 61 



$413,064 16 

79,969 44 



$6,691,022 00 $111,038 24 $333,114 72 



In force at end of year, . 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 80 per 
Average rate to date, 80 per cent. 



$6,49 1 



cent. 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 

PITTSFIELD. 

[Incorporated March, 1835. Commenced business August, 1835 ] 
JABEZ L. PECK, President. JOHN M. STEVENSON, Secretary. 

Amount of permanent fund, $57,271 91 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Valae. 

Western Union Telegraph Co. bonds, . . $5,000 00 $5,560 00 

Chicago & Western Indiana Railroad bonds, . 5,000 00 5,700 00 

Baltimore & Ohio Railroad bonds, . . 2,000 00 2,160 00 

St. Paul & Sioux City Railroad bonds, . . 1,000 00 1.200 00 

75 shares Boston & Albany Railroad, . . 7,500 00 15,000 00 

Boston & Albany Railroad rights, . . . 1,600 00 1,600 00 

50 shares Chicago, Burlington &QuincyR.R., 5,000 00 5,300 00 

140 " N Y. Cent. & Hudson River R.R , . 14,000 00 16,100 00 

19 " New Hampshire Trust Co., . . 1,900 00 80 00 

100 " Adams Express Co., . . . 10,000 00 14,500 00 

87 " Pittsfield National Bank, Pittsfield, . 8,700 00 13,920 00 

10 " Agricultural Natl Bank, Pittsfield, . 1,000 00 2,500 00 

12 " Third National Bank, Pittsfield, . 1.200 00 2,100 00 

15 " First National Bank, Adams, . . 1,500 00 2,025 00 

16 " Adams Natl Bank, North Adams, . 1,600 00 2,160 00 
10 " Lenox National Bank, Lenox, . . 1,000 00 1,100 00 



?68,000 00 $93,205 00 



1891.] 



INSURANCE COMPANIES. 



11 



Summary of Assets Dec 

Cash value of unencumbered real estate 

St icks, bonds, etc , as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, . 

Premiums in course of collection (gross) 

Interest due and accrued, . 

Rents due and accrued, 

Gross assets, .... 

Liabilities. 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, . 

Taxes accrued, 

Gross liabilities, 



31, 1891. 

18,500 00 

93,205 00 

819 32 

1,264 84 

829 25 

128 36 

35 00 



Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, 
Received for rents, 



$48,674 70 

150 00 

369 56 

35 46 



Gross cash income, 

Expenditures. 

Paid for losses during the year, 

for brokerage and commission, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, .... 

for rents, ....... 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditure, .... 

Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec 31, 1890, $6,577,536 00 $91,258 42 



$104,781 77 



Risks written during 1891, 

Total, 

Risks terminated during 1891, . 



1,743,802 00 23,451 88 



49,229 72 
$55,552 05 



$23,685 69 
769 02 

$22,916 67 

4,211 50 

762 40 

$27,890 57 

$5,954 97 

2,547 83 

2,502 16 

33 62 

307 77 

300 00 

10,850 51 

1,039 83 

$23,536 69 



Conting't Prem's. 

$91,258 42 
23,451 88 



18,321,338 00 $114,710 30 
1,311,099 00 17,360 90 



$114,710 30 
17,360 90 



In force at end of year, 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 40, 50, 
Average rate to date, 55 per cent. 



,010,239 00 $97,349 40 $97,349 40 

$5,954 97 

70 per cent. 



12 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



BOSTON MANUFACTURERS 1 MUTUAL FIRE INSURANCE 
COMPANY, BOSTON. 

[Incorporated March 15, 1850. Commenced business Oct. 14, 1850.] 

Office, No. 31 Milk Street. 

EDWARD ATKINSON, President. WILLIAM B. WHITING, Sea 



Detailed Statement of Stocks, Bonds, Etc. 



Phila., Wil. & Baltimore Railroad bonds, 
Chicago, Burl. & Quincy Railroad bonds, 
New York Central Railroad bonds, . 
Bur. & Missouri River Railroad bonds, 
Michigan Central Railroad bonds, 
Old Colony Railroad bonds, 
Pennsylvania Company bonds, 
Boston & Lowell Railroad bonds, 
West Shore Railroad bonds, . 
Eastern Railroad bonds, . 
Town of Brookline bonds, 
Atchison Railroad bonds, . 
New Jersey Central Railroad bonds, 



Par Value. 

$40,000 00 
100,000 00 
50,000 00 
30,000 00 
30,000 00 
70,000 00 
30,000 00 
50,000 00 
50,000 00 
25,000 00 
117,000 00 
20,000 00 
50,000 00 



Market Value. 
$41,600 00 

98,750 00 
50,500 00 
34,500 00 
33,000 00 
71,300 00 
32,325 00 
50,000 00 
51,875 
80,125 

117, 

16,650 00 
55. 



$662,000 00 $682,625 00 



Summary of Assets Dec. 31, 1891. 

Stocks, bonds, etc., as per schedule, . . $682,625 00 

Cash in the office of the company, . . . 2,204 48 

Cash deposited in bank, 14,738 78 

Interest due and accrued, 11,608 30 

Gross assets, §711,176 56 

Liabilities 

Losses adjusted, unpaid, $11,043 88 

Unearned premiums on outstanding risks, . 384,481 95 

Taxes accrued, 1,418 34 

Gross liabilities 396,944 17 

Net cash assets, $314,232 39 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, 

Gross cash income, 



$301,062 42 
34,700 94 

•.361 48 
29.730 87 

$796,092 35 



1891.] 



INSURANCE COMPANIES. 



13 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 

for inspections, 

for incidental expenses, .... 

Gross cash expenditures, .... 



$285,658 70 

30,129 13 

7,638 88 

1,624 56 

482,024 60 

15,091 79 

8,246 29 



$830,413 95 



Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec. 31, 1890, $92,023,436 00 $765,364 48 

Risks written during 1891, . 98,056,161 00 801,062 42 



Total, . . . $190,079,597 00 $1,566,426 90 

Risks terminated during 1891, 96,550,606 00 797,463 01 



Conting't Prem's. 

$3,826,822 40 
4,005,312 10 

$7,832,134 50 
3,987,315 05 



•In force at end of year, . . $93,528,991 00 $768,963 89 $3,844,819 45 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 63 t 3 o 3 q 
Average rate to date, 70 T J- 7 per cent. 



$296,429 79 
per cent. 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, 

NEW BEDFORD. 

[Incorporated Feb. 13, 1829. Commenced business July 4, 1829.] 

JAMES TAYLOR, President. GEORGE N. ALDEN, Secretary. 

[Note. — Policies are all issued for five years, ten per cent, of the premium note being 
received in cash at the time of issuing the policy. The notes are assessed as necessity requires. 
No cash funds are accumulated.] 



Summary of Assets Dec. 31, 1891. 



Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



Liabilities. 



Due for borrowed money, 
Commissions and brokerage, 
Taxes accrued, . 
Gross liabilities, 



$9 


89 


42 


81 


277 


64 


$1,000 00 


41 


o9 


4 


75 



$330 34 



$1,046 34 



14 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 

Received from assessments on deposit notes, 

Gross cash income, .... 

Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and empl 

for interest on borrowed money, 

for State and local taxes, . 

for incidental expenses, . 

Gross cash expenditures, . 

Miscellaneous 

Risks outstanding Dec. 31, 1890, < 
Risks written during 1891, 

Total, 

Risks terminated during 1891, . 

In force at end of year, . 

Losses incurred during the year, 



oyees 



Amount. 

$3,564,346 00 

425,875 00 

$3,990,221 00 

533,925 00 

$3,456,296 00 



2 31 
77 10 



25 21 

14 12 

19 33 



51,145 70 

16S 

1,625 00 

• 15 

29 05 

107 02 



$3,244 02 

C'onting't Prem"8, 

$433,227 00 
28,101 00 

$461,328 

67,395 00 

8393,933 00 
$890 76 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, 

CAMBRIDGE. 

[Incorporated March 13, 1833. Commenced business Jan. 1, 1S34.] 
DANA W. HYDE, President. ALFRED L. BARBOUR, Secretary. 



Amount of permanent fund, .... 

Detailed Statement of Stocks, 



1 share Framingham National Bank, 
15 shares National City Bank, Cambridge, 
30 shares West End Street Railwa}-, 
Eastern Railroad bonds, . 
Highland Street Railway bonds, 
Cambridge city bonds, 
Portland city bonds, . 
Belfast city bonds, 
Chicago city bonds, . 



Bonds, etc. 

Tar Value. 

$100 00 
1,500 00 
1,500 00 
1,500 00 
4,000 00 
2,000 00 
10,000 00 
2,000 00 
2,000 00 



".,469 78 

Market Value. 

$150 00 
50 00 
50 00 

1,800 00 
4,400 00 
2,400 00 
12,200 00 
2.100 00 
2,400 00 



$24,600 00 $3' .:" 



1891.] 



INSURANCE COMPANIES. 



15 



Summary of Assets Dec. 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc , as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Interest due and accrued, 

Rents due and accrued, 

Office furniture, etc., .... f 2,500 
Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Salaries accrued, 
Gross liabilities, 



31, 1891. 

$58,750 78 

111,883 00 

30,250 00 

1,800 00 

1,693 64= 

4,043 59 

5,948 29 

2,739 17 

1,054 17 



,302 27 

2,471 10 

841 00 

1,000 00 



Net cash assets, . 

Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 



Gross cash income, 

Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees 

for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 

Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec. 31, 1890, $10,737,978 00 $164,097 40 
Risks written during 1891, . 3,543,849 00 52,810 76 



Total, .... f 14,281,827 00 $216,908 16 

Risks terminated during 1891, . 2,456,890 00 36,303 63 



In force at end of year, . . $11,824,937 00 $180,604 53 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 40, 50, 



18,162 64 



94,614 37 
$123,548 27 

$53,302 29 
1,817 87 

$51,484 42 
3,645 99 
1,658 04 
5,557 1 1 

|62,345 56 



$15,712 12 

8,098 50 

5,542 00 

3,073 94 

1,000 00 

21,742 70 

1,584 84 

$56,754 10 

Contlng't Prem'n. 

$164,097 40 
52,810 76 

$216,908 16 
36,803 63 

$180,604 53 

$15,712 12 
70 per cent 



16 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



CITIZENS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April, 1846. Commenced business October, 1846.] 
HENRY C. BIGELOW, President. T. WALLACE TRAVIS, Secretary. 

Office, No. 8 Exchange Place. 



Amount of permanent fund Dec. 31, 1890, 
Increase during the year, 



. $107,802 10 
4,ol7 73 



Permanent fund Dec. 31, 1891, 



. $172,409 89 



Detailed Statement of Stocks, Bonds, etc. 



30 shares Hide and Leather Nat'l Bank, Boston, 
15 " Natick National Bank, Natick, 
10 " Farmington Nat 1 ! Bank, Farmington, 
Butchers 1 S. and M. Association bonds, . 
Denver Land and Security Co. bonds, 



Par Value. 

$3,000 00 
1,500 00 
1,000 00 
4,000 00 
1,800 00 



Market Value. 

$3,720 00 
2,100 00 
1,000 00 
4,000 00 
1,800 00 



Securities held as collateral for cash loans : — 
Mortgage notes, 



$11,300 00 $12,620 00 



Market Value. Loaned Thereon. 

$5,300 00 $3,600 00 



50 shares American Suorar Refining Co., 


4,700 00' 




50 •« 


Columbus and Hocking Coal and 


• 






Iron Co., 


800 00 




10 " 


Boston and Montana Consolidated 




\. 8,000 00 




C. and S. M. Co., 


400 00 




50 " 


West End Land Co., 


800 00 




200 « 


P. D. & E. R.R. Co., 


4,200 00 J 





$16,200 00 $11,600 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate,' 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Loans ou personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 
Gross assets, 



£40,775 00 

241,000 00 

12,620 00 

11,600 00 

4,700 59 

530 95 

19,197 19 

2,41- a 

3,640 10 
560 00 



$337,042 12 



1891.] 



INSURANCE COMPANIES. 

Liabilities. 



17 



Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, . 

Gross liabilities, .... 



$300 00 

161,996 89 

1,690 46 

336 00 



Net cash assets, . 



Income. 



Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, 



Gross cash income, 



Expenditures. 



Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for repairs on real estate, .... 
for incidental expenses, 

Gross cash expenditures, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $23,673,119 00 
Risks written during 1891, . 4,759,181 00 



$164,323 35 



72,718 77 



$63,766 74 
2,794 49 



,972 ?5 

12,179 69 

2,085 19 

721 76 

$75,958 89 



$17,433 54 

9,167 78 

7,218 00 

1,571 86 

900 00 

33,610 82 

237 81 

2,824 90 

$72,964 71 



Cash Prom's. Conting't Prem's. 

$321,561 65 $321,921 47 
62,833 97 62,833 97 



Total $28,432,300 00 

Risks terminated during 1891, . 4,604,376 00 



$384,395 62 $384,755 44 
60,401 83 60,761 65 



In force at end of year, . . $23,827,924 00 $323,993 79 $323,993 79 



Losses incurred during the year, 



$17,733 54 



Percentage of profits or surplus returned during 1891, 50 and 60 per cent. 



18 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



COHASSET MUTUAL FIRE INSURANCE 

[Incorporated 1845. Commenced business 
LOUIS N. LINCOLN, President. 

Detailed Statement of 

9 shares City National Bank, Boston, 

3 shares Merchants 1 Nat'I Bank, Boston, . 



Summary of Assets Dec. 
Stocks, as per schedule, .... 
Cash in the office of the company, . 

Deposited in bank, 

Premiums in course of collection (gross), 

Interest due and accrued, .... 

Office furniture, etc., . . . $100 00 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, 

Unearned premiums on outstanding risks, 

Gross liabilities, 

Balance against the company, . 

Income. 

Cash premiums received, 

Received for interest from all sources, . 

Gross cash income, 



COMPANY, COHASSET. 

March 1, 1846.] 

I. Q. A. LOT II HOP, Secretary. 



Stocks. 

Tar Value. 

$900 00 
■ i 00 



£600 00 
2,634 53 



Expenditures. 
Paid for losses during the year, .... 
Paid for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . . . : . 

for rents, 

for profits or surplus on terminated policies, . 

for incidental expenses, 

Gross cash expenditures, 



Risks outstanding Dec. 31, 1890, 
Risks written during 1891, 



Miscellaneous. 

Amount. 

$360,431 00 
81,140 00 



Market Value. 
00 

459 00 



? 1,200 00 $1,359 00 

31, 1891. 

$1,359 00 

58 17 

1,060 2 

68 03 

21 20 

$2,566 68 



3,234 53 

$667 85 

fl,260 01 

-' 85 

% 1,332 86 



$5 00 


91 


60 


323 


50 


12 


21 


60 00 


540 


71 


26 


87 



$1,059 89 



Cash Prem's. Conting't Prem's. 

$5,164 27 $15,492 81 



Total, .... 

Risks terminated during 1891, 

In force at end of year, . 
Losses incurred during the year, 



$441,571 00 
77,290 90 



1,243 49 

|6,407 76 

1,138 70 



$364,281 00 $5,269 06 



3,730 47 

119,223 28 

3,416 10 

\ '7 18 
$005 00 



Percentage of profits or surplus returned during 1891, 15, 30, 50 per cent. 



1891.] 



INSURANCE COMPANIES. 



11) 



COTTON AND WOOLEN MANUFACTURERS 1 MUTUAL 
INSURANCE COMPANY, BOSTON. 

[Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875.] 
CHARLES A. STEVEN'S, President. B. F. TAFT, Secretary. 

Office, No. 31 Milk Street. 



Detailed Statement of Stocks, 



Fitchburg Railroad bonds, 

Chicago, Burl. & Quincy Railroad bonds, 

Burlington & Missouri River Railroad bonds, 

Boston city bonds, 

Metropolitan Railroad bonds, . 
Maine Central Railroad bonds, 
Cheshire Railroad bonds, .... 
Portland & Ogdensburg Railroad bonds, 
New York & New England Railroad bonds, 
Lynn & Boston Railroad bonds, 
Middlesex Railroad bonds, 
Highland Street Railroad bonds, 
South Boston Railroad bonds, . 



Bonds, etc. 

Par Value. 

$16,000 00 

10,000 00 

2,000 00 

2,000 00 

15,000 00 

21,000 00 

27,000 00 

10,000 00 

17,000 00 

2,000 00 

1,000 00 

1,000 00 

5,000 00 



Market Value. 

$16,440 00 

10,050 00 

2,070 00 

2,010 00 

15,850 00 

21,440 00 

28,830 00 

10,350 00 

20,400 00 

2,040 00 

1,040 00 

1,030 00 

5,200 00 



$129,000 00 $136,750 00 



Summary of Assets Dec 31, 1891. 

Stocks, bonds, etc., as per schedule, . . . $136,750 00 

Cash in the office of the company, . . . 3,466 85 

Cash deposited in bank, 6,507 57 

Premiums in course of collection (gross), . 4,257 09 

Interest due and accrued, 2,120 00 

Gross assets, $153,101 51 

Liabilities. 

Losses claimed and reported, .... $4,545 33 

Unearned premiums on outstanding risks, . 115,550 86 

Taxes accrued, 433 80 

Gross liabilities, 120,529 99 

Net cash assets, $32,571 52 



Income 
Cash premiums received during the year, 
Deduct return premiums, . 

Net cash premiums received, . 
Received for interest from all sources, 
from all other sources, 

Gross cash income, 



$238,451 31 
12,512 84 



$225,988 47 

9,045 24 
3,271 r>S 



$2:38,255 29 



20 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 



Gross cash expenditures, 



f9'\9l9 28 
1 62 

136,171 

14,976 87 



I 45 



Miscellaneous. 

Amount. 

Risks outstanding Dec 31,1890, $21,072,478 00 
Risks written during 1891, . 24,121,568 00 



Cash Prem'8. Conting't Prem's. 

$213,0*1 99 11,068,409 

5,293 43 1,276,407 15 



Total, 



. $45,194,04> 



Risks terminated during 1891, 22,838,055 00 



$468,975 42 $2,344,877 10 

237, *7 3 71 1 



$231,101 71 $1,1 

$95,494 61 



In force at end of year, . . $ 22,355,99 1 00 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 67^ per cent 

Average rate to date, 67 T 9 o per cent. 



DEDHAM MUTUAL FIRE INSURANCE COMPANY. 

DEDHAM. 



Commenced business July 1, 1S07 
ELIJAH HOWE 



[Incorporated Feb 22, 183 
GEORGE 'B. FAUNCE, President. 

Amount of permanent fund, 

Detailed Statement of Stocks, Bonds, etc 

Par Value. 

Marquette & Ontonagon Railroad bonds, . 

Philadelphia & Reading Railroad bonds, . 

Cincinnati city bond, .... 

Old Colony Railroad bonds, 

Union Pacific Railroad bonds, . 

Kansas City & Council Bluffs Railroad bonds 

Lombard Investment Company bonds, 

Western Security Company bonds, . 

N. H. Trust Company bonds, . 

New England Mortgage Security Co. bonds, 

Atchison, Topeka & Santa Fe R R. bonds, 

Washington County (111 ) bonds, 

Salem city bouds, 

Boston city bonds, 

12 shares Dedham National Bank, 

20 M Dedham Water Co , . 

50 " Atch , Topeka & Santa Fe R R , 



, Jr., Secretary. 

$30.7 .35 77 

Market Value. 

|8,000 00 

5,250 00 

20 00 

00 

16,120 CO 

>) 00 

4.7.". 

00 
4.750 00 
10 00 
12,700 00 
5,000 00 
3,242 10 
2,04 

U»o oo 

00 
00 

$98,700 00 $92,292 10 



00 
10 00 

6,000 00 
2,000 00 

16,000 00 
2,000 00 
5,000 00 
6,000 00 
10 00 
8,000 00 

17,500 00 
00 
3,000 00 
2,000 00 
1^800 00 
2,000 00 
5,000 00 



1891.] 



INSURANCE COMPANIES. 



21 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens), $22,400 00 

Stocks, bonds, etc , as per schedule, . . . 92,292 10 

Cash in the office of the company, and in bank, 3,841 27 

Premiums in course of collection (gross), . 1,49154 

Interest due and accrued, 2,238 01 

Gross assets, ...... 

Liabilities. 

Losses adjusted, unpaid, $2,448 15 

Unearned premiums on outstanding risks, . 26,772 44 

Return premiums on cancelled policies, . 47 64 

Surplus due on terminated policies, . . . 1,655 96 

Commissions and brokerage, .... 223 72 

Gross liabilities, 

Net cash assets, 

Income. 

Cash premiums received during the year, .... 
Deduct return premiums, 

Net cash premiums received, 

Received for interest on mortgages, 

Received for interest from all other sources, .... 

Gross cash income, 

Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, ..... 
for salaries and fees of officers and employees, 

for State and local taxes, • 

for rents, 

for profits or surplus on terminated policies, . 

for incidental expenses, 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec 31,1890, $3,143,098 00 
Risks written during 1891, . 1,141,592 00 

Total $4,284,690 00 

Risks terminated during 1891, 905,329 00 

In force at end of year, 

Losses incurred during the year, 



$122,262 92 



31,147 91 



1,115 01 



$16,660 


49 


417 


46 


$16,243 03 


1,146 


62 


5,289 


86 


$22,679 


51 


$6,028 


75 


2,458 


85 


2,933 


82 


203 


48 


110 00 


6,214 80 


471 


89 


$18,421 59 



Cash Prem's. Continpr't Prem's. 

$49,374 52 $49,210 89 
17,012 58 16,759 14 



$66,387 10 
13,842 21 



$65,970 03 
13,611 58 



$3,379,361 00 $52,544 89 $52,358 45 
$8,476 90 



Percentage of profits or surplus returned during 1891, 33^, 50, 70 per cent. 



22 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



DORCHESTER MUTUAL FIRE [NSURANCE COMPANY, 

BOSTON. 

[Incorporated February, 1855. Commenced business July 2, IS 
THOMAS F. TEMPLE, President. \V. D. C. CURTIS, Secretary. 

Office, Xeponset. 
Amount of permanent fund, §177,044 45 



Detailed Statement of Stocks, 



Fitehburg Railroad bonds, 

Boston & Lowell Railroad bonds, . 

Old Colony Railroad bonds, 

Chicago, Burlington & Qniney R.R. bonds, 

Detroit, Lansing & Northern R.R. bonds, 

South Boston Horse Railroad bonds, 

Metropolitan Horse Railroad bonds, 

Cambridge Horse Railroad bonds, . 

304 shares Boston & Albany Railroad, 



273 
56 

75 
100 
20 
50 
56 
20 
20 
12 
10 
30 
33 
5 
10 
10 



Old Colony Railroad, 
Boston & Lowell Railroad, 
Boston & Maine Railroad, 
Boston Lead Mfg Company, . 
International Trust Company, 
Boston National Bank, . 
Blue Hill National Bank, 
Howard National Bank. . 
Continental National Bank, . 
Hide and Leather National Bank, 
Xew England National Bank, 
Columbian National Bank, 
State National Bank, 
Granite National Bank, . 
Mt. Wollaston National Bank, 
Weymouth National Bank, . . 



Bonds, etc. 

Par Value. 

$32,000 00 
,000 00 

0,000 00 

10,000 00 

7."i)0 00 

5,000 00 

00 



'00 

27,300 00 

10,000 00 

00 

5,000 00 

2,000 00 

•_ 10 00 

1.2' 

00 
3,000 00 

i oo 

I 00 
00 

1,000 00 



Market Value. 

5,300 00 

0,420 00 

9,200 00 

7,542 00 
5,i 

5,800 00 

6,240 00 

60,800 00 

45,045 00 

9,8 

12,375 00 

15,000 00 

4,< 

5,500 00 

5,71 - 

2,220 00 

2,020 l 

1,488 

1,600 00 

3,210 

4,026 00 

650 00 

1,400 00 

1,200 00 



$184,400 00 f 255,661 00 
Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens), 

Stocks, bonds, etc , as per schedule, . 

Cash deposited in bank, . 

Premiums in course of collection (gross), 

Interest due and accrued, . 

Gross assets, .... 

Liabilities. 

Unearned premiums on outstanding risks, 
Gross liabilities, .... 



822.000 00 

>8 13 

255,664 00 

16,692 79 

10,804 50 

3,021 35 



$172,230 65 



$333,270 77 



172.230 65 



Net cash assets, $161,040 12 



1891.] 



INSUKANCE COMPANIES. 



23 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, 

for rents, . . . 

from all other sources, 



Gross cash income, 



Expenditure?. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for rents, 

for profits or surplus on terminated policies, 
for repairs on real estate, 
for incidental expenses, . 

Gross cash expenditures, . 



Miscellaneous. 

Amount. 

Risks outstanding Dec 31,1890, $20,580,975 00 
Risks written during 1891, . 7,435,796 00 



Total, .... $28,016,771 00 
Risks terminated during 1891, 6,140,912 00 



Cash Prem's. 

$329,654 47 
109,328 71 

$438,983 18 
94,521 88 

$344,461 30 



$108,565 39 
2,635 66 



$105,929 73 

1,664 10 

13,273 88 

948 00 

66 99 



$121,882 70 



$36,731 73 

17,259 08 

5,735 98 

1,898 77 

300 00 

46,435 11 

326 74 

2,288 44 



$110,975 85 



Conting't Prem's. 

$329,654 47 
109,328 71 

$438,983 18 
94,521 88 



In force at end of year, . . $21,875,859 00 $344,461 30 $344,461 30 

Losses incurred during the year, $35,781 73 

Percentage of profits or surplus returned during 189 1 , 25, 50, and 75 per cent 
Average rate to date, 50 per cent. 



ELECTRIC MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated May 7, 1890. Commenced business May 15, 1890.] 
STEPHEN E. BARTON, President. CH VS. F. POLLARD, Secretary. 

Office, No. 85 Water Street. 

Summary of Assets Dec. 31, 1891. 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 

Due for inspections, 

Office furniture, .... $600 00 
Gross assets, 



$76 47 








16,903 74 








5,926 37 








800 00 










$23, 


706 


58 



24 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 
Liabilities. 



Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, .... 

Balance against the company, . 



$2,212 00 
23,211 29 

107 74 



$25,531 



$1,824 45 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 
from commissions, 



for inspections, 
Gross cash income, 



$52,51* 
7,951 70 

$14,56.; 
654 09 
714 83 
4,530 19 

$50,462 86 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, ..... 

Gross cash expenditures, 



$30,084 76 

10,319 09 

469 72 

460 00 

2,318 61 

19 51 

$48,891 69 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $2,897,587 00 
Risks written during 1891, . 5,347,925 00 



Total, . 



5,245,512 00 



Risks terminated during 1891,. 3,253,766 00 



In force at end of year, . 
Deduct amount re-insured, 



. $4,991,746 00 
402,250 00 



Net amount in force, . . $ 4,589,496 00 
Losses incurred during the year, 



Cash Prem's. Conting't Prem's. 

$30,320 71 $151,603 55 
54,937 61 274,688 05 



$85,258 32 $426,291 60 
34,210 65 171,053 25 



$51,047 67 $255,238 35 
4,625 08 



$46,422 59 



$32,296 76 



1891.] 



INSURANCE COMPANIES. 



25 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated 1829. Commenced business 1829.] 
DAVID MOORE, President. CHARLES H. ODELL, Secretary. 

Amount of permanent fund, $51,152 23 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

City of Cleveland bonds $2,000 00 $2,040 00 

Chicago River improvement bonds, . . 1,000 00 1,000 00 

City of Concord bonds 1,000 00 1,040 00 

Old Colony Railroad bonds, .... 2,000 00 2,150 00 

Hyde Park, 111 , bonds, 1,000 00 1,080 00 

Boston & Albany Railroad bonds, . . . 1,000 00 1,050 00 

St. Louis County bonds, 1,000 00 1,052 50 

American Investment Company bonds, . . 1,500 00 1,500 00 

St Louis City bonds, ..... 1,00000 1,08000 

City of Cincinnati bonds, 1,000 00 1,240 00 

City of Brooklyn bonds 1,000 00 1,185 00 

City of Springfield bonds, .... 1,00000 1,28000 

Chicago, Burlington & Quincy R R. bonds, . 2.000 00 2,090 00 

Eastern Railroad bonds, 2,000 00 2,412 50 

Northern Pacific Railroad bonds, . . . 1,000 00 1,152 50 

Oregon Improvement bonds, .... 2,000 00 2,040 00 

11 shares Asiatic National Bank, ... 330 00 401 50 

14 " Salem National Bank, . . . 1,400 00 1,820 00 

16 " Lynn Gas and Electric Co., . . 1,600 00 2,480 00 



Summary of Assets Dec. 31, 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums and outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Taxes accrued, 

Gross liabilities, 

Net cash assets, 



$24,830 00 $ 28,094 00 

1891. 

$1,100 00 
27,450 00 
28,094 00 

2,451 59 

5,478 63 

1,344 68 

1,421 80 
7 00 
$67,347 70 



$108 71 

11,300 73 

235 05 

214 55 

29 91 



11,888 95 
i>55,458 75 



2(j 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



K"et cash premiums received, .... 
Received for interest on mortgages, 

for interest from all other sources, . 

for rents, 



$9,9C 

S 41 

77 32 
1,913 23 
1,675 50 

5 00 



Gross cash income, $13 : l'< 1 05 

Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



*2,370 


14 


1,214 


27 




73 


21 


5<< 


2,i ; 


89 


645 


21 



Gross cash expenditures, .... 

Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $804,025 00 
Risks written during 1891, . 611,104 00 



1 72 



Cash Prcm's. Contingt Prem'e. 

$16,115 29 $16,115 29 



■i 20 






Total, .... $1,415,129 00 
Risks terminated during 1891, 162,100 00 



§25,809 49 $25,8* »9 49 
3,191 14 3,191 14 



In force at end of year, . . §1,253,029 00 
Deduct amount re-insured, . 1,500 00 



$22,6 is 35 22,618 35 



16 88 



16 88 



Net amount in force, . $1,251,529 00 $22,60147 $22,60147 



Losses incurred daring the year, 



$2,478 85 



Percentage of profits or surplus returned during 1891, 25, 5<>, 70 per cent. 



FALL RIVER MANUFACTURERS 1 MUTUAL INSURANCE 

COMPANY, FALL RIVER. 

[Incorporated Feb. 11, 1S70. Commenced business May 1, 1S70.] 
THOMAS J. BORDEN, President. CHARLES S. WARING, Secretary. 

Detailed Statement of Stocks, Bonds, etc 

Par Valae. Market Value. 

Old Colony Railroad bonds, .... 610,000 00 

Fitchburg Railroad bonds 10,000 00 9,650 00 

Chicago, Burlington & Quincy R.R. bonds, . 15,000 00 13,350 00 



1891.] 



INSURANCE COMPANIES. 



27 



Boston & Albany Railroad bonds, 
Boston & Lowell Railroad bonds, 



Atchison, Topeka and Santa Fe 
Fall River city bonds 
Worcester city bonds 
Lawrence city bonds 
Boston city bonds, 
Taunton city bonds, 
Corporation notes, 



R.R 



bonds, 



$8,000 00 

20,000 00 

5,500 00 

6,000 00 

1,000 00 

5,000 00 

5,000 00 

10,000 00 

112,000 00 



$8,000 00 

19,800 00 

4,565 00 

7,250 00 

1,000 00 

5,250 00 

5,250 00 

10,300 00 

112,000 00 



$207,500 00 $206,965 00 



Summary of Assets Dec. 31, 1891. 

$206,965 00 

431 82 

35,735 68 

813 53 

1,947 62 



Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, . 

Gross assets, 



$245,893 65 



Liabilities. 

Losses claimed and reported, . $2,740 00 

Unearned premiums on outstanding risks, . 134,973 87 

Taxes accrued, 521 47 

Gross liabilities, 



138,235 34 



Net cash assets, $107,658 31 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 

Gross cash income, .... 



$276,241 03 
6,226 71 



$270,014 32 
13,653 76 

$283,668 08 



Expenditures. 

Paid for losses during the year, 

for salaries and fees of officers and employees, 
for State and local taxes, . . 

for rents, 

for profits or surplus on terminated policies, 

for inspections, 

for incidental expenses, .... 



$112,660 59 
8,513 21 
2,539 14 
466 66 
169,810 43 
4,420 90 
1,275 62 



Gross cash expenditures, . 



$299,686 do 



28 



MASSACHUSETTS MUTUAL FIRE [Dec. 31. 



Risks outstanding Dec. 31, 1890, 
Risks written during 1891, 



Miscellaneous. 

Amount. 

$27,025,589 
29,632,996 



Total, 

Risks terminated during 1891, . 

In force at end of year, . 

Losses incurred during the year, 



Cash Prem'8. Conting't Prem's. 

$252,323 81 $1,261,019 05 
276,020 82 1,380,104 10 



$56,658,585 

27,707,500 



$528,344 63 $2,641,723 15 
258,396 90 1,2*1,984 



$28,951,085 $269,947 73 $1,349,738 65 
$107,924 91 



Percentage of profits or surplus returned during 1891, 67 T 8 5 5 per cent. 
Average rate to date, 67 T 9 2 ,j per cent. 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, 

FITCHBURG. 



[Incorporated March 23, 1847. 
AMASA NORCROSS, President. 

Amount of permanent fund, 



Commenced business Sept. 1, 1847.] 

EDWARD P. DOWXE, Secretary. 

$106,226 56 



Detailed Statement of Stocks, 



City of Fitchburg bonds, . 

Boston & Albany Railroad bonds, 

Old Colony Railroad bonds, 

Chesire Railroad bonds, . 

Fitchburg Railroad bonds, 

Maine Central Railroad bonds, 

Kansas Investment Co bonds, . 

Minnesota Thresher Manufacturing Co. bonds 

C. N. Nelson Lumber Co. bonds, 

10 shares Fitchburg National Bank, 

20 ' 

20 

10 ' 

15 ' 
100 ' 
227 ' 



Rollstone National Bank, 
Old Colony Railroad, 
Fitchburg Railroad, 
Springfield Safe Deposit Co , . 
Ashburnham National Bank, . 
Minnesota Thresher Manuf . Co , 



Securities held as collateral for cash loans : — 

5 shares New England Telephone Co., . 

Savings bank book, 

50 shares Garfield & Proctor Coal Co., 
80 shares Simonds Manufacturing Co., . 
New York & New England Railroad bond, 



Bonds, etc. 

Par. Value. 

§5,000 00 

00 

5,000 00 

9,-00 00 

5,000 00 

5,000 00 

10,000 00 

24,000 00 

4,000 00 

1,000 00 

2,000 00 

2,0. .0 00 

1,000 00 

1,5' 00 

10,000 00 

11,350 00 



Market Value. 

$5,000 00 
4,000 00 

5,000 00 

9,450 00 

5,000 00 

5,000 00 

10,000 00 

24,000 00 

'0 00 

1,500 00 

3,000 00 

3,340 00 

830 00 

1,500 00 

10,500 00 

11,350 00 



$99,850 00 |103,470 00 



Market Value. Loaned Thereon. 



$250 00 

2,600 00 
5,000 00 
8,000 00 
1,200 00 



1,000 00 

4,500 00 
6,200 00 

1,000 00 



117,050 00 $12,900 00 



1891.] 



INSURANCE COMPANIES. 



29 



Summary of Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Rents, salaries, etc., accrued, 

Gross liabilities, .... 



$113,815 50 
103,470 00 

12,900 00 
17,218 00 

1,579 96 
13,819 34 
12,858 74 

2,518 18 



$10,226 28 
2,900 00 
1,191 27 

171,637 83 
2,811 00 
1,070 89 



!78,179 72 



Net cash assets, 



189,837 27 
|88,312 45 



Income. 

Cash premiums received during the year, 
Received for interest from all sources, 

Gross cash income, 

Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees ol" officers and employees 

for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



$141,360 08 
11,993 99 

$153,354 07 



$59,391 07 

21,234 50 

5,881 00 

1,332 23 

700 00 

39,865 29 

6,706 36 

$135,110 45 



Miscellaneous. 

Amount. Cash Prcm's. Conting't Prem's. 

Risks outstanding Dec. 31, 1890, $20,469,260 00 $316,919 36 $316,919 36 

Risks written during 1891, . 9,358,474 00 110,332 80 140,332 80 



Total, .... $29,827,734 00 $457,252 16 $457,252 16 

Risks terminated during 1891, 7,640,140 00 113,976 50 113,976 50 

In force at end of year, . .$22,187,594 00 $343,275 66 $343,275 66 

Losses incurred during the year, $68,336 13 

Percentage of profits or surplus returned during 1891, 20, 40, 60 per cent. 



30 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 

GREENFIELD. 

[Incorporated Feb. 11, 1828. Commenced business Sept. 29, 1829.] 
NELSON BURROWS, President. JOHN D. BOWKER, Secretary. 

Amount of permanent fund, $1,524 02 



Detailed Statement of Stocks, Bonds, et« . 



Vermont & Massachusetts Railroad bonds, 
50 shares Greenfield Gas Light Co , 
9 " Shelburne Falls National Bank, 
6 " Franklin County National Bank, 



Tar Value. 

111,001 

00 
900 

600 00 



Market Value. 

- _ 

00 

JO 00 

612 00 



,000 00 $16,292 00 



Summary of Assets Dec. 31, 1 ^ 



Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Office furniture, . . . . £500 00 
Gross assets, 

Liabilities. 

Due for borrowed money, 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, 

Net cash assets, 



? 1,600 00 

16,292 00 

270 31 

178 54 

1,015 02 

3,479 64 

143 88 



$4,000 00 

16,140 34 

227 96 

521 94 

568 30 



$22,979 39 



21,458 54 



$1,520 85 



Income. 

Cash premiums received during the year, .... $13,583 69 

Deduct return premiums, 1,037 94 

Net cash premiums received, $12,545 75 

Received for interest from all sources, 1,367 22 

Gross cash income, $13,912 97 



1891.] 



INSURANCE COMPANIES. 



31 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for interest on borrowed money, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$11,581 00 


1,891 


49 


1,582 


00 


65 


00 


127 


49 


150 


00 


2,349 


01 


389 


42 



,135 41 



Risks outstandingDec. 31, 1890, 
Risks written during 1891, 



Miscellaneous. 

Amount. 

$2,651,790 00 
1,070,689 00 



Total, .... $3,722,479 00 

Risks terminated during 1891, 990,080 00 

In force at end of year, . . $2,732,399 00 

Deduct amount re-insured, . 5,200 00 



Cash Trem's. 

$31,565 20 
13,583 69 

$45,148 89 
12,792 02 

$32,356 87 
76 19 



Conting't Prem's. 

$31,565 20 

13,583 69 

$45,148 89 

12,792 02 

$32,356 87 

76 19 



Net amount in force, 
Losses incurred during the year, 
Percentage of profits or surplus returned during 



,727,199 00 $32,280 68 $32,280 68 

$10,271 53 

1891,20, 25 percent. 



GROVEL AND MUTUAL FIRE INSURANCE COMPANY, 

GROVELAND. 

[Incorporated Marcri 28, 1828. Commenced business March 28, 1828. J 

MOSES FOSTER, President. NATHANIEL H. GRIFFITH, Secretary. 

[Note. — This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 

Summary of Assets Dec. 31, 1891. 
Cash in the office of the company, . . . $43 96 

Gross assets, $43 96 



• Liabilities. 



Due for borrowed money, 
Gross liabilities, 



$1,150 00 



Income. 

Received from assessments on deposit notes, . 
Received from all other sources, . , 

Gross cash income, 



$1,150 00 



$3,865 44 
218 00 

$4,083 44 



32 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for interest on borrowed money, 

for State and local taxes, 

for rents, 



Gross cash expenditures, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, . . . $1,04 _ - 
Risks written during 1891, .... 349,66700 



Total,. 
Risks terminated during 1891, 



In force at end of year, . 

Losses incurred during the year, 
Assessments laid on deposit notes, 



2.4*2 00 
,491 00 



$1,635,991 00 



$2,1 9 


71' 


35 00 


40 65 


25 00 



82,999 73 



Coutlngt Prem's. 
$11 

24,919 35 

$14 

24,003 31 

1116350 41 

$2,199 05 
$3,865 44 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 
NORTHAMPTON. 

[Incorporated March 6, 1830. Commenced business July 1, 1S32.] 
CnARLES N. CLARK, Pi-exident. OLIVER WALKER, Secretary. 

Permanent fund Dec. 31, 1891, $27,523 66 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

63 shares Connecticut River Railroad, . . $6,300 00 

20 " Northampton National Bank, . . 00 

24 " Chicago. Burlington & Quincy R.R , 2,400 00 

Chicago, Burlington & Quincy R.R. bonds, . 00 

Kansas Pacific R.R. bonds, .... 5,000 00 



Summary of Assets Dec. 31, 1891. 
Loans on mortgage of real estate (first liens), $21,650 00 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, 
Office furniture, .... $500 00 
Gross assets, ... 



Market Value. 

$14,175 00 
8,600 00 

224 00 
5.400 00 



$15,900 00 7 00 



26,027 


00 






28 


82 






1,287 


92 






675 


44 










,669 


18 



1891.] 



INSURANCE COMPANIES. 



33 



Liabilities. 

Unearned premiums on outstanding risks, . $29,082 70 

Surplus due on terminated policies, . 94 16 

Taxes accrued, 23 72 

Gross liabilities, 



$29,200 58 



Net cash assets $ 20,468 60 



Income. 

Cash premiums received during the } T ear, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 
Received for interest from all other sources, . 



Gross cash income, 



$11,312 31 
559 94 

f 10,752 37 
1,166 83 
1,108 18 

$13,027 38 



Expenditures. 



Paid for losses during the year, 

for brokerage and commissions, 
for salaries and fees of officers and 
for State and local taxes, . 

for rents, 

for profits or surplus on terminated 
for incidental expenses, . 

Gross cash expenditures, . 



employees, 



policies, . 



$6,446 


55 


1,122 


88 


1,464 


00 


102 


54 


150 00 


4,384 75 


194 


37 


$13,865 09 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1890, $4,051,955 00 $56,704 76 $56,704 76 

Risks written during 1891, . 803,799 00 11,312 31 11,312 31 



Total, .... $4,855,754 00 

Risks terminated during 1891, 810,708 00 



In force at end of year, . . $4,045,046 00 



Losses incurred during the year, ... 

Percentage of profits or surplus returned during 1891, 50 percent. 

Average rate to elate, 50 per cent. 



$68,017 07 
9,851 68 


$68,017 07 
9,851 68 


$58,165 39 

• • • 


$58,165 39 
$5,946 55 



34 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, HINGHAM. 

[Incorporated March 4, 1826. Commenced business Sept. 1, 1826.] 
AMOS BATES, President. HENRY W. CUSHING, Secretary. 



Amount of permanent fund Dec. 31, 1890, 
Increase during the year, .... 



Permanent fund Dec. 31, 1891, . 



$169,497 98 
8,552 05 



$178,050 03 



Detailed Statement of Stocks, 

57 shares Hingham National Bank, Hingham, 

60 ' 

8 « 

10 ' 
19 ' 
29 ' 
12 • 
34 ' 
26 ■ 

11 ' 
45 ■ 
50 ■ 
92 ■ 
87 ' 
25 ■ 



Old Colony Nat'l Bank, Plymouth, 
' Abington National Bank, Abington, 
• Globe National Bank, Boston, . 
' Hamilton National Bank, Boston, 
1 Eagle National Bank, Boston, . 
' Union National Bank, Boston, . 
4 State National Bank, Boston, . 
4 North America Nat'l Bank, Boston, 
' Commerce National Bank, Boston, 
1 Webster National Bank, Boston, 
' Hingham Water Company, 
' Old Colony Railroad, 
1 Boston & Albany Railroad, 
' Chicago, Burlington & Quincy R.R. 

Boston & Albany Railroad bonds, 

Boston & Lowell Railroad bonds, 

Boston & Maine Railroad bonds, 

Eastern Railroad bonds, . 

Union Pacific Railroad bonds, . 

Chicago, Burlington & Quincy Railroad bonds 

Hingham Water Company bonds, . 

Boston & Albany R.R. stock certificates, . 



Securities held as collateral for cash loans : — 

Colorado Mining Stock Exchange, . 
Helena Consolidated Water Company bonds, 

Everett town bonds, 

Boston & Lowell Railroad bonds, 
100 shares Northern Railroad, . 
53 " Concord & Montreal Railroad, 
200 " BurPgton, Cedar Rapids & No. Ry 
350 " Thomson-Houston Electric Co., 



J 



Bonds, etc. 

Par Value. 

$3,990 00 
6,000 00 
800 00 
1,000 00 
1,900 00 
2,900 00 
1,200 00 
3,400 00 
2,600 00 
1,100 00 
4,500 00 
5,000 00 
9,200 00 
8,700 00 
2,500 00 
5,000 00 

10,000 00 

10,000 00 
5,000 00 
5,000 00 
5,300 00 

10,000 00 
220 00 



Market Value. 

$4,161 00 
9,600 00 
1,008 00 

1,001 25 

2,280 00 

2,987 00 

1,644 00 

4,139 50 

3,146 00 

1,397 00 

4,545 00 

6,000 00 

15,157 00 

17,400 00 

2,731 25 

5,006 25 

10,050 00 

10,200 00 

6,031 25 

5,367 50 

6,386 00 

10,000 00 

220 00 



$105,310 00 $130,458 00 



Market Value. Loaned Thereon. 



} $29,180 00 $25,000 00 



22,745 00 
24,900 00 



18,000 00 
15,000 00 



1891.] 



INSURANCE COMPANIES. 



35 



Market Value. Loaned Thereon. 



125 shares Worcester, Nashua & Rochester R.R , $14,968 75 

200 shares Union Pacific Railroad, . . . n 

Union Pacific, Denver & Gulf R.R. bonds, . > 14,457 50 

Little Rock & Fort Smith Railroad bonds, . ) 

230 shares Atchison, Topeka & Santa Fe R.R., 10,235 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens), 

Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule, 

Loans on personal security, 

Cash in the office of the company, . 

Cash deposited in bank, . 

Premiums in course of collection (gross), 

Interest due and accrued, 

Rents due and accrued, .... 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Taxes and salaries accrued, 

Gross liabilities, 



$116,486 25 

31, 1891. 

$9,500 00 

110,450 00 

130,458 00 

87,700 00 

3,500 00 

1,635 10 

16,677 89 

1,757 90 

5,870 78 

138 75 



$400 00 

185,253 96 

3,370 58 

263 68 

350 17 



Net cash assets, . 



Income. 



Cash premiums received during the year, 
Received for interest on mortgages, 

for interest from all other sources, 
for rents, 



$12,500 00 

12,000 00 

5,200 00 



;7,700 00 



$367,688 42 



189,638 39 



. $178,050 03 



$86,308 23 

5,300 52 

11,750 99 

524 00 



Gross cash income, $103,883 74 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



$26,802 81 

12,200 34 

4,167 26 

825 65 

52,761 42 

1,035 24 



Gross cash expenditures, . 



$97,792 72 



36 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec 31,1890, $25,019,089 00 $375,040 08 

Risks written during 1891, . 5,784,754 00 86,308 23 



Conting't Prem's. 

$365,979 36 
84,358 -Vi 



Total, .... $30,803,843 00 
Risks terminated during 1891, 5,417,115 00 



$461,348 31 
81,563 93 



$450.:;: 17 
79^29 75 



In force at end of year, . . $25,386,728 00 $379,784 38 370,507 93 

Losses incurred during the year, $25,652 81 

Percentage of profits or surplus returned during 1891, 65 per cent. 
Average rate to date, 65 to 75 per cent. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, 

SALEM. 

[Incorporated March 14, 1843. Commenced business May 23, 1S43.] 

CHARLES H. PRICE, President. WALTER L. HARRIS, Secretary. 

THOMAS H. JOHNSON, Vice-President. 

Guaranty Capital, $100,000. 



Amount of permanent fund Dec. 31, 1890, 
Increase during the year, .... 



$488,585 95 
1,637 75 



Permanent fund Dec. 31, 1891, $490,223 70 



Detailed Statement of 



Marion County (Ind) bonds, . 
Washington County (111.) bonds, 
Boston (Mass.) city bonds, 
Birmingham (Ala.) city bonds, 
Cincinnati (Ohio) city bonds, . 
Columbus (Ohio) city bonds, . 
Cleveland (Ohio) city bonds, . 
Chicago (111.) city bonds, . 
Chelsea (Mass.) city bonds, 
Des Moine (Iowa) city bonds, . 
Evansville (Ind.) city bonds, . 
Jefferson ville (Ind.) city bonds, 
Kansas City (Mo ) bonds, 
Lynn (Mass.) city bonds, . 
Lawrence (Mass ) city bonds, . 
Maiden (Mass.) city bonds, 
Milwaukee (Wis.) city bonds, . 
Minneapolis (Minn.) city bonds, 
Omaha (Neb.) city bonds, 
St. Louis (Mo.) city bonds, 
St. Paul (Minn.) city bonds, . 



Stocks, Bonds, etc. 

Par Value. 

$5,000 00 
2,000 00 
5,000 00 
5, I 00 

16,000 00 

10,000 00 

13,000 00 
6,000 00 

17,000 00 
7,000 00 
6,000 00 
7,000 00 
6,000 00 
8,000 00 
5,000 00 

10,000 00 
5,000 00 
5,000 00 

24,500 00 
5,000 00 

25.000 00 



Market Value. 

|5,7< 

2,160 00 
5,100 00 
5,200 00 

1939 

10,000 00 

13,793 75 
6,420 00 

17.' «X) 00 
6,895 00 
6,000 00 
8,260 00 
6,180 00 
8,240 00 
5,175 00 

10,125 00 
5,525 00 
5,275 00 

25,663 75 
5,400 00 

27,000 00 



1891.] 



INSURANCE COMPANIES. 



37 



Atchison, Topeka & Santa Fe Railroad bonds, 
Boston & Maine Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Boston & Lowell Railroad bonds, . 
Burlington & Missouri River R.R. (Neb.) bonds 
Chesapeake & Ohio Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Chicago & Alton Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Chicago & West Indiana Railroad bonds, 
Central Pacific Railroad bonds, 
Central New Jersey Railroad bonds, 
Eastern Railroad bonds, . 
East Middlesex Street Railroad bonds, 
Housatonic Railroad bonds, 
Jackson, Lansing & Saginaw Railroad bonds 
Kansas City, St. Jo. & C. B. Railroad bonds, 
Kansas City, Ft. S. & Memphis R.R. bonds, 
Lehigh Valley Railroad bonds, 
New York & New England Railroad bonds, 
New Haven & Derby Railroad bonds, 
Northwestern Union Railroad bonds, 
Terre Haute & So. Eastern Railroad bonds, 
Utah and Northern Railroad bonds, 
Union Pacific Railroad bonds, . 
Consolidated Vermont Railroad bonds, . 
Boston Building Co., Denver, Col., bonds, 
Col. M. S. Exchange, Denver, Col , bonds, 
Delaware & Hudson Canal Company bonds, 
Keokuk Water Company bonds, 
Western Union Telegraph Company bonds, 

31 shares Old Colony Railroad, 

50 " Portland, Portsmouth & Saco R.R 
100 " Pitts., Ft. Worth & Chicago R.R., 

40 " National Exchange Bank, Salem, 
10 " First National Bank, Salem, . 

10 " Merchants' National Bank, Salem, 
35 " Mercantile National Bank, Salem, 

41 " Naumkeag National Bank, Salem, 
140 " Salem National Bank, Salem, . 

30 " Atlantic National Bank, Boston, 

15 " Blackstone National Bank, Boston, 

31 " Continental National Bank, Boston, 
50 " Freeman's National Bank, Boston, . 
30 " Globe National Bank, Boston, 

100 " Merchants' National Bank, Boston, 
50 " Republic National Bank, Boston, . 



Par Value. 

$17,400 00 

10,000 00 

10,000 00 

2,000 00 

10 000 00 

10,000 00 

16,500 00 

10,000 00 

5,000 00 

5,000 00 

8,000 00 

7,000 00 

7,000 00 

10,000 00 

10,000 00 

10,000 00 

6,000 00 

5,000 00 

8,000 00 

5,000 00 

15,000 00 

20,000 00 

8,000 00 

5,000 00 

10,000 00 

28,000 00 

2,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

3,100 00 

5,000 00 

10,000 00 

4,000 00 

1,000 00 

500 00 

3,500 00 

4,100 00 

14,000 00 

3,000 00 

1,500 00 

3,100 00 

5,000 00 

3 000 00 

10,000 00 

5,000 00 



Market Value. 

$13,584 00 

10,000 00 

11,800 00 

2,000 00 

8,750 00 

11,400 00 

20,625 00 

10,500 00 

5,300 00 

5,500 00 

9,000 00 

7,840 00 

7,700 00 

12,300 00 

10,200 00 

10,400 00 

6,000 00 

6,000 00 

8,560 00 

6,250 00 

18,360 00 

20,200 00 

11,600 00 

4,800 00 

8,000 00 

30,790 00 

1,820 00 

10,600 00 

10,000 00 

6,900 00 

10,000 00 

5,050 00 

5,208 00 

6,350 00 

15,400 00 

4,400 00 

1,297 50 

677 50 

4,375 00 

5,740 00 

19,320 00 

4,177 50 

1,500 00 

4,068 75 

5,000 00 

3,000 00 

15,025 00 

8,137 50 



38 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



30 shares Revere National Bank, Boston, 
100 " Second National Bank, Boston, 
40 " Shoe and Leather Nat'l Bank, Boston, 
10 " Beverly National Bank, Beverly, . 
20 " So. Danvers Nat'l Bank, Peabody, . 
12 " First National Bank, Newburyport, 



Par Value. 

$3,000 00 
10,000 00 
4,000 00 
1,000 00 
2,000 00 
1,200 00 



Market Value. 

83,172 60 
19,025 00 

3,720 00 
1,450 00 
2,600 00 
1,536 00 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc , as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross) 
Interest due and accrued, . 
Rents due and accrued, 

Gross assets, .... 

Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, .... 

Net cash assets, 

Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



$589,400 00 $662,011 75 

31, 1891. 

$40,000 00 

114,750 00 

662,011 75 

2,500 00 

2,253 92 

6,829 57 

731 19 

9,452 93 

257 50 

$838,786 86- 



$1,250 00 
2,000 00 

250,629 40 
119 96 



253,999 36 



$584,787 50 



$149,281 00 
3,781 89 



Net cash premiums received, $145,499 11 

Received for interest on mortgages, • 5,966 83 

for interest from all other sources, .... 34,768 65 
for rents, 2,119 58 



Gross cash income, $188,354 17 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, .... 

for dividends on guaranty capital, . 

for profits or surplus on terminated policies, 

for incidental expenses, .... 



Gross cash expenditures, $174,602 32 



$60,800 22 

22,417 23 

14,980 75 

1,780 97 

7,000 00 

63,340 88 

4,282 27 



1891.] 



INSURANCE COMPANIES. 



39 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1890, $34,108,741 00 $484,745 05 $483,693 19 

Risks written during 1891, . 10,645,706 00 149,559 17 147,784 38 



Total, . 



. $44,754,447 00 



Risks terminated during 1891, . 9,579,346 00 
In force at end of year, . 



$634,304 22 $631,477 57 
133,045 41 131,407 96 



5,175,101 00 $501,258 81 



500,069 61 
$61,968 54 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 20, 50, 70 per cent. 
Rate of interest realized upon investments of guaranty capital, 6 per cent. 



INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 17, 1890. Commenced business June 1, 1890.] 
H. A. DAGGETT, President. BENJAMIN TAFT, Secretary. 

Office, No. 31 Milk Street. 
Summary of Assets Dec. 31, 1891. 



Corporation notes, 

Cash in the office of the company, . 
Cash deposited in bank, 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, .... 



Net cash assets, 



$22,831 65 

36 69 

2,315 14 

790 66 



$233 73 

18,722 79 

69 10 



$25,974 14 



19,025 62 
$6,948 52 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



$33,244 28 

2,593 02 

$30,651 26 

855 94 

Gross cash income, • $31,507 20 

Expenditures. 
Paid for losses during the year, 



Net cash premiums received, . 
Received for interest from all sources, 



for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, . 



$7,322 44 

1,000 00 

237 61 

5,791 82 

1,772 62 

$16,124 49 



40 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $1,414,790 00 
Risks written during 1891, . 4,116,194 00 



Total, $5,530,984 00 

Risks terminated during 1891, . 2,042,824 00 



In force at end of year, 



$3,488,160 00 



Cash Pram's. Contlng't Prems. 

$12,987 34 $64,936 70 
36,649 16 183,245 80 



$49,636 50 $248,182 50 
12,190 92 60,954 60 



$37,445 58 $187,227 90 
$7,566 17 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 50 per cent. 
Average rate to date, 50 per cent. 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

[Incorporated March 6, 1832. Commenced business April, 1832.] 
J. C. ABBOTT, President. E. T. ABBOTT, Secretary. 



Amount of permanent fund Dec. 31, 1890, 
Increase during the year, .... 



Amount of permanent fund Dec. 31, 1891, .... 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

Boston & Lowell Railroad bonds, . . . $6,000 00 

Lowell & Lawrence Railroad bonds, . . 4,000 00 

Boston, Concord & Montreal Railroad bonds, . 6,000 00 

Consolidated Railroad of Vermont bonds, . 1,000 00 . 

Fitchburg Railroad bonds 3,000 00 

Portsmouth, N. H., city bonds, .... 1,500 00 

2 shares Pacific Mills, 2,000 00 

2 " Lawrence Manufacturing Co., . . 2,000 00 

2 " Hamilton Manufacturing Co., . . 2,000 00 

10 " Lowell Manufacturing Co., . . 6,900 00 

5 " Massachusetts Cotton Mills, . . 5,000 00 

5 " Appleton Co., 5,000 00 

12 " Merrimack Manufacturing Co., . 12,000 00 

50 " Franklin Manufacturing Co., . . 5,000 00 

30 " Hill Manufacturing Co., . . . 3,000 00 

30 " Lowell Bleaehery 3,000 00 

6 " Vermont & Massachusetts Railroad, 600 00 
20 " First National Bank, Lowell, . . 2,000 00 



$71,182 90 
300 56 

$71,483 46 



Market Value. 

250 00 

4,320 00 
6,060 00 
915 00 
2,880 00 
1,530 00 
3,350 00 
3,000 00 
2,000 00 
6,325 00 
5,250 00 

2375 00 

12,600 00 
4,950 00 
1,740 00 
3,600 00 
823 50 
3,800 00 



$70,000 00 $72,268 50 



1891.] 



INSURANCE COMPANIES. 



41 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens), $ 12,950 00 

Stocks, bonds, etc., as per schedule, . . 72,268 50 

Cash deposited in bank, 8,752 38 

Premiums in course of collection (gross), . 1,753 74 

Interest due and accrued, 1,327 94 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, . $30,848 52 

Surplus due on terminated policies, . . 491 71 

Commissions and brokerage, .... 151 13 

Gross liabilities, 



$97,052 5Q 



31,491 36 



Net cash assets, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, . 



Risks outstanding Dec. 31, 1890, 
Risks written during 1891, 



Miscellaneous. 

Amount. 

3,594,871 00 
1,432,712 00 



$65,561 20 



$21,695 83 

433 91 

$21,261 92 

553 00 

4,315 25 

$26,130 17 



$8,037 82 
2,026 24 
4,952 00 
334 44 
500 00 
6,844 58 
1,328 35 

$24,023 43 



Cash Prem's. Conting't Prem's. 

$54,208 59 $54,208 59 
21,222 61 21,222 61 



Total, .... 
Risks terminated during 1891, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 

Losses incurred during the year, 



$5,027,583 00 
988,492 00 



$4,039,091 00 
11,500 00 



$75,431 20 

13,609 18 

$61,822 02 

124 99 



$75,431 20 
13,609 18 



$61,822 02 
124 99 



$4,027,591 00 $61,697 03 $61,697 03 
$8,037 82 



Percentage of profits or surplus returned during 1891, 33£, 50, 70 per cent. 



42 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNX. 

[Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828.] 
GEORGE D. SARGEANT, President. EDWIN H. JOHNSON, Secretary. 

Amount of permanent fund, $56,910 38 



Detailed Statement of Stocks, 

40 shares First National Bank, Lynn, 
20 " National City Bank, Lynn, 
5 " Central National Bank, Lynn, . 
10 " Merchants' National Bank, Boston, 
15 " West Newton National Bank, . 
35 " Atchison, Topeka & Santa Fe R.R., 
Ind., Decatur & Springfield Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Southern Pacific Railroad bonds, 
Atlantic & Pacific Railroad bonds, 
Mexican Central Railroad bonds, 
Toledo city bonds, . 
Lynn & Boston Railroad bonds, 
Missouri Valley R.R. and Bridge Co. bonds, 
Chicago & Great Western Railroad bonds, 
Boston, Revere Beach & Lynn R.R. bonds, 
Oregon Short Line Railroad bonds, . 
Ohio & West Virginia Railroad bonds, . 
Ogdensburg & Lake Champlain R.R. bonds, 
East Middlesex Railroad bonds, 
Equitable Mortgage Company bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 



Securities held as collateral for cash loans 
Assignment f mortgage, .... 



Bonds, etc. 

Par Value. 

$4,000 00 
2,000 00 

500 00 
1,000 00 
1,500 00 
3,500 00 
1,000 00 
1,000 00 

500 00 
1,000 00 
1,000 00 
1,000 00 
4,000 00 
2,000 00 
2,000 00 
2,000 00 
2,000 00 
1,000 00 
2,000 00 
2,000 00 
1,000 00 
7,000 00 



Market Value. 

$6,210 00 

4,000 00 

800 00 

1,400 00 

1,890 00 

1,505 00 

850 00 

1,130 00 

575 00 

700 00 

700 00 

1,070 00 

4,040 00 

2,070 00 

2,100 00 

2,140 00 

2,100 00 

1,130 00 

2,060 00 

2,070 00 

1,000 00 

5,000 00 



$43,000 00 $44,570 00 



Market Value. Loaned Thereon. 

$4,500 00 $3,000 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens), $19,975 00 

Stocks, bonds, etc., as per schedule, . . . 44,570 00 

Loans on collateral security, as per schedule, 3,000 00 

Loans on personal security, .... 796 20 

Cash in the office of the company, . . . 100 16 

Cash deposited in bank, 1,841 46 

Premiums in course of collection (gross), . 10100 

Interest due and accrued, . . . . 1,132 30 

Gross assets, 



$71,516 12 



1891.] 



INSURANCE COMPANIES. 



43 



Liabilities. 

Unearned premiums on outstanding risks, . $12,998 46 

Surplus due on terminated policies, ... 62 37 

Gross liabilities, 



$13,060 83 



Net cash assets, $58,455 29 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 



Gross cash income, 



$5,702 48 


302 


77 


$5,399 


71 


1,114 


32 


2,234 


16 



1,748 19 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$166 92 

2,200 00 

53 68 

414 00 
4,468 29 

303 24 



§7,606 13 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's, 

Risks outstanding Dec. 31, 1890, $1,907,540 00 $25,077 46 $50,154 92 

Risks written during 1891, . 418,267 00 5,656 27 11,312 54 



In force of end of year, . . $1,971,627 00 



Total, ..... $2,325,807 00 $30,733 73 $61,467 46 
Risks terminated during 1891, 354,180 00 4,736 81 9,473 62 



$25,996 92 $51,993 84 
$166 92 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 100 per cent. 
Average rate to date, 75 per cent. 



44 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



MASSACHUSETTS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Jan. 1, 1873.] 
CHARLES B. CUMINGS, President. JOHN M. CORBETT, Secretary. 

Guaranty Capital, $200,000. 
Office, No. 28 State Street. 

Amount of permanent fund, $27,835 00 



Detailed Statement of Stocks, 

150 shares Tremont National Bank, 

80 " Hamilton National Bank, 
100 " Merchants' National Bank, . 

70 " Union National Bank, . 
160 " New England National Bank, 
100 " Columbian National Bank, 

25 " Globe National Bank, 
100 " Webster National Bank, 
115 " Atchison, Topeka & Santa Fe R.R., 

70 " Chicago, Burlington & Quincj R R., 

6£ " Boston & Maine Railroad, 
Boston & Lowell Railroad bonds, . 
Burlington & Missouri Railroad bonds, . 
Kansas City, Springfield & Mem R.R. bonds, 
Current River Railroad bonds, 
Kansas & Missouri Railroad bonds, . 
Atch., Topeka & Santa Fe Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds, 



Bonds, etc. 

Par Value. 

$15,000 00 

8,000 00 

10,000 00 

7,000 00 

16,000 00 

10,000 00 

2,500 00 

10,000 00 

11,500 00 

7,000 00 

6,200 00 

6,000 00 

15,400 00 

10,000 00 

10,000 00 

12,000 00 

15,500 00 

5,000 00 



Market Value. 

$15,525 00 

9,600 00 

15,000 00 

9,590 00 

25,600 00 

10,700 00 

2,500 00 

10,100 00 

5,175 00 

7,630 00 

8,680 00 

6,300 00 

17,044 00 

10,100 00 

9,000 00 

10,800 00 

12,942 50 

4,450 00 



$177,100 00 $190,736 50 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens), $122,800 00 

Stocks, bonds, etc., as per schedule, . . . 190,736 50 

Cash deposited in bank, 6,911 39 

Premiums in course of collection (gross), . 3,345 90 

Interest due and accrued, 2,738 25 

Gross assets, $326,532 04 



Liabilities. 
Losses adjusted, unpaid, . 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Return premiums on cancelled policies, 

Surplus due on terminated policies, 

Commissions and brokerage, . 

Incidental expenses, .... 

Gross liabilities, 

Net cash assets, .... 



$46 97 

480 00 

82,296 62 

234 75 

3,424 20 

600 00 

86 00 



87,168 54 
$239,363 50 



1891.] 



INSURANCE COMPANIES. 



45 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, 

from all other sources, 



Gross cash income, 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for dividends on guaranty capital, . 
for incidental expenses, .... 



Gross cash expenditures, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $20,603,588 00 
Risks written during 1891, . 3,769,278 00 



Total, .... $24,372,866 00 

Risks terminated during 1891, 3,520,653 00 



In force at end of year, . 
Deduct amount re-insured, 



$20,852,213 00 
28,425 00 



Cash Prem's. 

$163,524 89 
30,727 67 

$194,252 56 
29,371 93 

$164,880 63 
297 39 



$32,739 03 
2,058 13 

$30,680 90 
5,690 50 
9,241 20 
2,294 11 

$47,906 71 



$17,035 40 

4,747 91 

10,726 09 

32 50 

600 16 

3,000 00 

6,645 58 

14,000 00 

1,820 10 

$58,607 74 



Conting't Preras. 

$163,940 15 
30,727 67 

$194,667 82 
29,371 93 

$165,295 89 



Net amount in force, . $20,823,788 00 $164,583 24 

Losses incurred during the year, $17,562 37 

Percentage of profits or surplus returned during 1891, 25 per cent. 

Average rate to date, 23 ^y per cent. 

Rate of interest realized upon investments of guaranty capital, 4 ffo per cent. 



MERCHANTS 1 AND FARMERS' MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced business Jan. 1, 1847.] 
JOHN D. WASHBURN, Resident. ELIJAH B. STODDARD, Secretary. 

Amount of permanent fund, $120,252 29 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

60 shares Atch., Topeka and Santa Fe R.R., . $6,000 00 $2,760 00 

50 " Union Pacific Railroad, . . . 5,000 00 2,500 00 

25 »« Wachusett National Bank, . . 2,500 00 5,625 00 



46 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



20 shares Westminster National Bank, . 

20 " Central National Bank, . 

13 " Mechanics' National Bank, 

25 " Quinsigamond National Bank, . 

28 " Wor., Nashua & Rochester R R., 

50 " Chicago & Alton Railroad, 

25 " Norwich & Worcester Railroad, 

25 " Chicago, Burlington & Quincy R R 

55 " Boston & Albany Railroad, 

34 " Providence & Worcester Railroad, 

Providence & Worcester Railroad bonds, 

Lawrence city bonds, .... 

Wor., Nashua & Rochester Railroad bonds, 

Eastern Railroad of Minnesota bonds, 

Atch., Topeka and Santa Fe Railroad bonds, 

Boston & Albany Railroad rights, . 



Par Value. 

$2,000 00 
2,000 00 
1,300 00 
2,500 00 
2,900 00 
5,000 00 
2,500 00 
2,500 00 
5,500 00 
3,400 00 

25,000 00 

20,000 00 

500 00 

5,000 00 

14,247 00 
60 00 



Market Value. 

|2,000 00 
3,000 00 
1,430 00 
3,375 00 

3,480 00 
7,050 00 

4,525 00 

2,750 00 
11,000 00 

8,500 00 

29,500 00 

23,000 00 

542 50 

5,000 00 

11,010 51 

660 00 



$107,907 00 $127,708 01 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $33,800 00 

Loans on mortgage of real estate (first liens), 100,402 05 

Stocks, bonds, etc., as per schedule, . . 127,708 01 

Cash deposited in bank, 20,143 70 

Premiums in course of collection (gross), . 8,439 21 

Interest due and accrued, 4,500 00 

Gross assets $294,992 97 

Liabilities. 

Losses adjusted, unpaid, $1,985 00 

Losses claimed and reported, .... 1,200 00 

Unearned premiums on outstanding risks, . 166,073 61 
Surplus due on terminated and cancelled policies, 3,000 00 

Commissions and brokerage, .... 1,159 93 

Gross liabilities, 173,418 54 



Net cash assets, $121,574 43 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, 



Gross cash income, 



$107,349 30 
3,272 44 

$104,076 86 
5,942 39 
5,834 34 
1,436 08 

$117,289 67 



1891.] 



INSURANCE COMPANIES. 



47 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, 



$41,301 34 

15,655 89 

6,827 42 

1,901 97 

42,571 69 

2,974 39 

$111,232 70 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prems. 

Risks outstanding Dec 31,1890, $22,158,138 00 $325,971 26 $325,971 26 

Risks written during 1891, . 7,548,61100 106,530 90 106,530 90 



Total, .... $29,706,749 00 $432,502 16 $432,502 16 

Risks terminated during 1891, 7,117,952 00 100,354 93 100,354 93 

In force at end of year, . . $22,588,797 00 $332,147 23 $332,147 23 

Losses incurred during the year, $39,313 98 

Percentage of profits or surplus returned during 1891, 20, 40, 60 per cent. 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, 

ANDOVER. 

[Incorporated Feb. 7, 1828. Commenced business March 1, 1828.] 
WILLIAM S. JENKINS, President. JOSEPH A. SMART, Secretary. 

Amount of permanent fund, $150,206 14 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

United States bonds, $27,000 00 $31,050 00 

Charlestovvn city bonds, 5,000 00 5,037 50 

Chicago city bonds, 12,000 00 12,150 00 

Cincinnati city bonds, 16,000 00 20,390 00 

Fall River city bonds, 10,000 00 10,850 00 

Lynn city bonds, 5,000 00 5,575 00 

Northampton city bonds, 5,000 00 5,037 50 

Toledo city bonds, 5,000 00 5,337 50 

Cambridge Horse Railroad bonds, . . . 15,000 00 15,750 00 

Lynn & Boston Horse Railroad bonds, . . 10,000 00 10,300 00 

Metropolitan Horse Railroad bonds, . . 20,000 00 21,000 00 

Atchison, Topeka & Santa Fe Railroad bonds, 10,500 00 8,750 00 

Boston & Lowell Railroad bonds, . . . 5,000 00 5,337 50 

Boston & Maine Railroad bonds, . . . 10,000 00 10,225 00 

Boston & Providence Railroad bonds, . . 5,000 00 5,150 00 

Chicago, Burlington & Quincy R.R. bonds, . 10,000 00 10,250 00 



48 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Old Colony Railroad bonds, 
Chicago, Wisconsin & Minnesota R.R. bonds 
Spokane & Palouse Railroad bonds, 
No. Pacific & Montana Railroad bonds, . 
Chicago, Peoria & St. Louis Railroad bonds, 
Watervliet Turnpike & Railroad bonds, . 
Helena (Montana) Water Company bonds, 
Salem (Ohio) Water Company bonds, . 

Auburn city bonds, 

Sioux City Land Company bonds, . 
50 shares Boston Investment Company, . 
Andover Water bonds, .... 
Andover Electric Company, 



Securities held as collateral for cash loans : — 
15 shares Lawrence National Bank, 



Par Value. 

$5,000 00 
10,000 00 

10,000 00 
5,000 00 
5,000 00 

10,000 00 
5,000 00 

10,000 00 
5,000 00 
6,000 00 

10,000 00 
4,500 00 
5,000 00 
5,000 00 
2,000 00 



Market Value. 

$5,300 00 

10300 00 

10,875 00 

5,25" 00 

-i 00 

10,10o 00 

50 00 

10,200 00 

00 

6,0' K 

10,0< 

4,500 00 

5,600 00 

5,100 00 

00 



Summary of Assets Dec 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, 

Gross assets, 

Liabilities 

Losses adjusted, unpaid, . 

Unearned premiums on outstanding risks, 

Commissions and brokerage, . 

Gross liabilities, .... 



$268,000 00 1282,765 00 



Market Value. Loaned Thereon. 

$1,700 00 $1,500 00 



31, 1891. 

$39,600 00 
282,765 00 
1,500 00 
2,302 78 
7,784 29 
5,100 24 
6,104 26 



|345,156 57 



$6,000 90 

196,420 48 

765 03 



203,186 41 



Net cash assets, $141,970 16 



Income. 
Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, .... 



$107,582 41 
3,549 50 

$104,032 91 

2,050 00 

14,060 02 

$120,142 93 



1891.] 



INSURANCE COMPANIES. 



49 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profiis or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



$35,789 49 

16,041 93 

5,298 00 

1,045 15 

47,912 00 

4,447 38 



$110,533 95 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $24,759,805 00 
Risks written during 1891, . 7,039,393 00 



Cash Prem's. Conting't Prcm's. 

$372,188 34 $372,188 34 
105,681 04 105,681 04 



Total, .... $31,799,198 00 $477,869 38 $477,869 38 

Risks terminated during 1891, 5,908,181 00 85,028 42 85,028 42 



In force at end of year, . . $25,891,017 00 $392,840 96 $392,840 96 

Losses incurred during the year, , $39,290 39 

Percentage of profits or surplus returned during 1891, 25, 40, 70 per cent. 
Average rate to date, 45 per cent. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, 

CONCORD. 

[Incorporated March 3, 1826. Commenced business March 29, 1826.] 
GEORGE HEYWOOD, President. RICHARD F. BARRETT, Secretary. 



Amount of permanent fund Dec. 31, 1890, 
Increase during the year, . ... 

Permanent fund Dec. 31, 1891, 



. $322,812 53 
4,720 31 

. $327,532 84 



Detailed Statement of Stocks, 

50 shares Blackstone National Bank, Boston, 

15 ' 

40 ' 
53 

25 ' 

54 ' 

30 ' 

113 ' 

20 ' 

44 ' 

10 ' 



Merchants 1 National Bank, Boston, 
Webster National "Bank, Boston, 
Boston National Bank, Boston, 
Eliot National Bank, Boston, . 
Howard National Bank, Boston, 
Revere National Bank, Boston, 
Shawmut National Bank, Boston, 
Faneuil IlallNat'l Bank, Boston, 
No. American Nat'l Bank, Boston, 
Central National Bank, Boston, 



Bonds, etc. 

Par Value. 

$5,000 00 
1,500 00 
4,000 00 
5,300 00 
2,500 00 
5,400 00 * 
3,000 00 

11,300 00 
2,000 00 
4,400 00 
1,000 00 



Market Value. 

$5,000 00 
2,250 00 
4,010 00 
5,830 00 
3,075 00 
5,980 50 
3,172 50 

14,125 00 
2,800 00 
5,324 00 
1,430 00 



50 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



88- 5 2 " 

oo 10 

100 " 

50 " 

200 " 

230 " 

100 " 

50 " 



30 shares Traders 1 National Bank, Boston, 
18 " State National Bank, Boston, . 
10 " Market National Bank, Boston, 
30 " Commercial Nat 1 ! Bank, Boston, 

5 " Suffolk National Bank, Boston, 
33 " Concord National Bank, Concord, 
57 " Boston & Albany Railroad, 

Cleveland & Canton Railroad, 
Fitehburg Railroad, 
Philadelphia, VVil. and Bait. R.R , 
Chicago, Burl, and Quincy R R. 
Atchison ,Topeka and Santa Fe R R 
Pullman Palace Car Co., 
Massachusetts Real Estate Co , 
Boston & Albany Railroad bonds, . 
Eastern Railroad bonds, .... 
Burlington & Missouri Railroad bonds, . 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Fitehburg Railroad bonds, 
Atchison, Topeka & Santa Fe R.R. bonds 
East Middlesex Street Railway bonds, 
United States bonds, .... 
Bath city bonds, .... 
Illinois Steel Company bonds, . 
Concord water bonds, 
School house loan, .... 
Portland & Ogdensburg Railroad bonds, 
Akron & Chicago June. R R. bonds, 



I'ar Value. 

$3,000 00 
1,800 00 
1,000 00 
3,000 00 
oho 00 
3,300 00 
5,700 00 
8,852 00 

lo, > 00 

2,500 00 

20,000 00 
>0 00 

10,000 00 
5,000 00 

10,<i()0 00 
6,000 00 
7,000 00 

12,000 "0 
2,000 00 

20,000 on 
6,288 25 

10,000 00 

28,000 on 

, IX) 

10,000 on 
19,50<i 00 
4,000 00 
2 
10,000 00 



Market Value 

83,090 00 
2,191 50 
1,000 00 
2,880 00 
536 25 
6,280 00 

11,400 00 
1,991 70 
8,500 00 
2,725 on 

22 50 

18,500 00 

,i on 

12 50 

7 50 

►0 00 

12,490 00 

2,040 00 

10 00 

4,739 24 

10,500 00 

33,llo no 

8,091 

10,00 

I 00 

4.' 10 

21,200 00 
li i. -inn iin 



Securities held as collateral for cash loans 

10 shares Fitehburg Railroad, . 

8 " American Powder Mills, . 

9 " Chicago & West Michigan, 
8 " New England Tel. & Tel. Co , 

71 " Illinois Steel Co., 

58 " Pemherton Mills, 

Burlington & Missouii R.R , . 

20 shares American Powder Mills, . 
6 " Boston and Colorado Smelting Co., 
3 " Anleriean Waltham ^'atch Co 

60 " Chicago, R. I. & P. R.R , . 

Lake Shore R.R. bond, 

Crystal Lake water bond, 



1310,840 25 $327,753 19 



Market Value. Loaned Thereon. 

$850 nn ) 



1,1 inn nn S 
477 00 1 



414 00 
5,680 00 
6,960 00 j 
2,990 00 
2,500 00 
1,060 00 £ 

504 00 
5,520 00 
1,150 00 
1,<»00 00 



} 



11,800 00 



J> 9,000 00 



2,000 00 
2J0OO 00 

600 00 



3,600 00 



>3O,095 00 $19,000 00 



1891.] 



INSURANCE COMPANIES. 



51 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $17,900 00 

Loans on mortgage of real estate (first liens), 112,827 00 

Stocks, bonds, etc., as per schedule, . . 327,753 19 

Loans on collateral security, as per schedule, . 19,000 00 

Loans on personal security, .... 50,150 00 

Cash in the office of the company and in bank, 11,986 48 

Premiums in course of collection (net), . . 1,969 68 

Interest due and accrued, .... 14,801 83 

Rents due and accrued, 275 00 

Gross assets, 



$556,663 18 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Gross liabilities, .... 



Net cash assets, 



$1,835 00 
227,295 34 



229,130 34 
$227,532 84 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, 
Received for rents, .... 



,724 97 
884 33 



$105,840 64 

25,226 64 

650 00 



Gross cash income, $131,717 28 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for profits or surplus on terminated policies, 

for incidental expenses, .... 

Gross cash expenditures, .... 



$38,690 60 

15,315 94 

8,250 00 

1,438 66 

52,452 40 

3,443 62 

$119,591 22 



Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec. 31, 1890, $29,328,558 00 $431,056 17 

Risks written during 1891, . 7,172,276 00 105,136 91 



Total $36,500,834 00 

Risks terminated during 1891, . 5,653,529 00 



$536,193 08 
81,602 39 



Conting*t Prem's. 

$431,056 17 
105,136 91 

$536,193 08 
81,602 39 



In force at end of year, 



. $30,847,305 00 $454,590 69 $454,590 69 



Losses incurred during the year, $37,148 18 

Percentage of profits or surplus returned during 1891, 70 and 50 per cent. 



52 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



MILFORD MUTUAL FIRE INSURANCE COMPANY, MILFORD. 

[Incorporated Dec. 3, 1851. Commenced business January, 1852.] 
GEO. L. COOKE, President. GEO. G. PARKER, Secretary. 



Amount of permanent fund, 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

10 shares Milford National Bank, . . . $1,000 00 

9 shares Hide and Leather National Bank, . 900 00 

Milford water bonds, 5,500 00 



$7,502 74 



Market Value. 

f 1,475 00 
1,116 

5,77 



Securities held as collateral for cash loans : — 
Lexington Water Company stock, . 



$7,400 00 $8,360 

Market Value. Loaned Thereon. 

$2,124 00 $1,948 09 



SUMMA.RT OF ASSETS DEC. 31, 1891. 

Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 

Bills receivable, 

Office furniture, . . . . $50 00 
Gross assets, 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Rents, salaries and incidental expenses, . 
Gross liabilities, 



$8,366 00 




1,948 09 




441 59 




4,395 22 




1,318 57 




277 62 




80 00 




) 


$16,827 09 


$1,087 32 




600 00 




11,330 61 




12 25 




789 53 







13,819 71 



Net cash assets, 



Income. 



Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, . 



$3,007 38 



$8,920 68 
307 82 

$8,612 S6 
564 88 



Gross cash income, 



1,177 74 



1891.] 



INSURANCE COMPANIES. 



53 



Expenditures. 

Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, . 



Gross cash expenditures, 



$7,357 


88 


1,281 


71 


590 75 


91 


53 


1,894 


27 


916 


13 


$12,132 


27 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $1,610,686 00 
Risks written during 1891, . 690,660 00 



Total, .... 

Risks terminated during 1891, 

In force at end of year, . 
Losses incurred during the year, 



12,301,346 00 
479,091 00 



Cash Prem's. Conting't Prem's. 

,413 05 $19,413 05 



8,920 68 

$28,333 73 
5,672 50 



8,920 68 

$28,333 73 
5,672 50 



.,822,255 00 $22,661 23 $22,661 23 
$7,295 13 



Percentage of profit or surplus returned during 1891, 50 and 25 per cent. 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated Feb. 23, 1827. Commenced business July 26, 1827.] 
ALFRED ROWE, President. FRANK R. YOUNG, Secretary. 

Amount of permanent fund, $117,216 33 



Detailed Statement of Stocks, 

75 shares Second National Bank, Springfield 

61 ' 
25 

25 ' 

25 ' 
10 

10 ' 

50 ' 

50 ' 

77 ' 
150 

55 ' 
50 
40 



Chicopee Natl Bank, Springfield, 
John Hancock Nat'l Bank, Sprld, 
First National Bank, Springfield, 
Chapin National Bank, Springfield 
Monsou National Bank, Monson, 
First National Bank, Chicopee, 
Hadley Falls Natl Bank, Holyoke 
Commerce National Bank, Boston 
Boston & Albany Railroad, 
N. Y. Central & Hudson River R R. 
Chicago, Burlington & Quincy R R. 
Union Pacific Railroad, . 
Lake Shore & Michigan So. R.R., 



Bonds, etc. 

Par Value. 

$7,500 00 
6,100 00 
2,500 00 
2,500 00 
2,500 00 
1,000 00 
1,000 00 
5,000 00 
5,000 00 
7,700 00 

15,000 00 
5,500 00 
5,000 00 
4,000 00 



Market Value 

$11,250 00 

10,065 00 

3,000 00 

3,125 00 

3,625 00 

1,500 00 

1,450 00 

8,000 00 

6,350 00 

15,400 00 

17,100 00 

5,885 00 

2,250 00 

4,800 00 



54 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Boston & Albany Railroad bonds, . 
Union Pacific Railroad boncls, . 
Vermont Valley Railroad bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Western Union Telegraph bonds, . 
Mass. and Southern Construction Co. bonds, 
Chesapeake & Ohio Railroad bonds, 
Ohio Southern Railroad bonds, 



Par Value. 

17,000 00 

8,000 00 
4,000 00 
600 00 
7,000 00 
3,000 00 
4,000 00 
3,000 00 



Market Value. 
$7,000 00 
8,320 00 
4,400 00 
515 00 
8,050 00 
3,000 00 
4,0> 
3,ls 



$106,800 00 $132,345 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens), $20,600 00 

Stocks, bonds, etc., as per schedule, . . . 132,345 00 

Cash in the office of the company, . . . 180 32 

Cash deposited in bank, 2,611 29 

Interest due and accrued, 867 32 

Gross assets, • $156,603 93 



Liabilities. 

Unearned premiums on outstanding risks, . $34,013 28 

Surplus due on terminated policies, . . 164 60 

Gross liabilities, 



34,177 



Net cash assets, $122,426 05 

Income. 

Cash premiums received during the year, .... §14,118 32 

Deduct return premiums, ........ 560 95 

Net cash premiums received, $13,557 37 

Received for interest on mortgages, 1,065 00 

Received for interest from all other sources, .... 6,038 87 

Profit on securities sold, 20 00 



Gross cash income, . 



$20,681 24 



Expenditures. 

Paid for losses during the year, $2,030 09 

for salaries and fees of officers and employees, . . 3,144 00 

for State and local taxes, 137 92 

for rents, 500 00 

for profits or surplus on terminated policies, . . . 8,767 48 

for incidental expenses, 321 48 

Gross cash expenditures, . $14,900 97 



1891.] 



INSURANCE COMPANIES. 



55 



Miscellaneous. 

Amount. 

Risks outstanding Dec 31,1890, $4,396,588 00 
Risks written during 1891, . 949,750 00 



Total, .... $5,346,338 00 
Risks terminated during 1891, 798,650 00 



In force at end of year, 



Cash Prcm's. Contlng't Prem's. 

£65,707 81 $131,415 62 
14,101 12 28,202 24 



$79,808 93 -$159,617 86 
11,782 36 23,564 72 



$4,547,688 00 $68,026 57 $136,053 14 
$2,030 09 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 80 per cent. 
Average rate to date, 80 per cent. 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated April 10, 1861. Commenced business July 15, 1864.] 
AMOS STONE, President. GEO. H. PENDERGAST, Secretary. 

Office, Thompson Sq., Charlestown. 
Permanent fund Dec. 31, 1891, 



Detailed Amount of Stocks, Bonds, Etc. 

Par Value. 

10 shares Monument National Bank, . . $1,000.00 

20 * National Bank Republic, . . . 2,000 00 

31 " Charlestown Gas Company, . . 1,550 00 

10 " Somerville Electric Light Co , . 1,000 00 

50 " Atch., Top. & Santa Fe R R., . 5,000 00 

Northern Pacific R R bonds, .... 2,000 00 



Summary of Assets Dec. 31, 

Cash value of unencumbered real estate, . \ 

Loans on mortgage of real estate (first liens), 

Stocks, bonds, etc., as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, . 

Premiums in course of collection (gross). 

Interest due and accrued, 

Gross assets, .... 



Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 

Gross liabilities, .... 

Net cash assets, .... 



$15 00 

7,224 28 

198 59 



$52,639 30 



Market Value. 

$2,300 00 

3,200 CO 

2,945 00 

1,000 00 

2,000 00 

2,300 00 



$12,550 00 $13,745 00 

1891. 

14,900 00 
32,200 00 
13,745 00 

316 98 
4,161 59 

796 47 

926 24 



$67,046 28 



7,437 87 
$59,608 41 



5(3 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 



Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, 



Gross cash income, 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 
f«fr incidental expenses, 



Gross cash expenditures, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $1,255,630 00 
Risks written during 1891, . 264,83700 



Total, . . . . 11,520,407 00 

Risks terminated during 1891, 209,270 00 



Cash Prem's. 

|13.420 87 

3,038 75 

$10,459 62 
2,011 06 



In force at end of year, 



§1,311,197 00 ?14,448 56 



>2 74 

4o 57 



|2,812 


17 


1,530 


65 


83' 


191 


00 


$5,370 27 


81,254 00 


466 


72 


662 


81 


416 


66 




36 


1,040 


91 



14,369 46 



Conting't Prem's. 

$13,42 
3,088 



§16,459 62 

2,011 06 

$14,448 56 

§1,269 00 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 20, 25, 40 per cent 
Average rate to date, 25 per cent. 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURY PORT. 

[Incorporated February, 1829. Commenced business May 1, 1829.] 
AMOS NOYE3, President. LAWRENCE W. BROWN", Secretary. 

Amount of permanent fund Dec. 31, 1891, .... $27,021 89 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

100 shares Mer. Nat'l Bank, Newbury port, . f 2,000 00 

18 " Mech's Nat'l Bank, Newburyport, . 00 

31 " Ocean Nat'l Bank, Newburyport, . 1,550 00 

15 " Washington Nat'l Bank, Boston, . 1,500 00 

10 " Hide and Lea. Nat'l Bank, Boston, . 1,000 00 



Market Valne. 

2,286 00 

1.725 00 
1,24- 



1891.] 



INSURANCE COMPANIES. 



57 



10 shares Market Nat'l Bank, Boston, 
10 " Shoe and Lea. Nat'l Bank, Boston, 
14 " Chic. Burl. & Quincy Railroad, 
10 " Atch , Topeka & Santa Fe R.R , 
14 " Boston & Maine Railroad, 
Consolidated Railroad of Vermont bonds, 
Rutland Railroad bonds, . . . . 
Atch., Topeka & Santa Fe Railroad bonds, 
Lawrence city bonds, .... 
Fall River city bonds, .... 



Par Value. 

M,000 00 
1,000 00 
1,400 00 
1,000 00 
1,400 00 
2,000 00 
1,500 00 
7,000 00 
1,000 00 
1,000 00 



$26,150 00 



Summary of Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens), 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Rents due and accrued, 
Office furniture, .... $150 00 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Rents accrued, 

Gross liabilities, 



$1,500 00 

27,154 00 ' 

10 40 

3,844 06 

250 00 

25 00 



Net cash assets, 



$50 00 

4,261 12 

25 00 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest on mortgages, 

for interest from all other sources, 

from policy fees, 



Gross cash income, 



Expenditures. 
Paid for losses during the year, . . . . 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



Market Value. 

$1,000 00 
960 00 
1,512 00 
440 00 
2,296 00 
1,800 00 
1,575 00 
5,740 00 
1,070 00 
1,150 00 

$27,154 00 



$32,783 46 



4,336 12 



$28,447 34 

$1,209 00 
43 05 


$1,165 95 

40 00 

1,214 10 

94 75 



$2,514 80 



$117 


13 


320 00 


13 


60 


150 


00 


1,246 


47 


113 


08 



$1,960 18 



58 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $695,385 00 
Risks written during 1891, . 84,080 00 



Total, .... $779,465 00 

Risks terminated during 1891, 92,200 00 



In force at end of year, . 



$687,265 00 



Cash Prem's. Conting't Prem'a. 

$8,755 04 5,020 16 



1,108 50 

$9,923 54 
1,346 47 



$8,577 07 



4,074 00 

$39,694 16 
95 88 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 100 per cent. 
Average rate to date, 100 per cent. 



$34,308 28 
$167 13 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, 

DEDHAM. 

[Incorporated Feb. 12, 1825. Commenced business July 1, 182.7.] 

J. WHITE BELCHER, President. ELIJAH HOWE, Jr., Secretary. 

Amount of permanent fund, $310,782 03 

Detailed Statement of Stocks, Bonds, Etc. 

Par Value. Market Value. 

100 shares Old Colony Railroad, . . . $10,000 00 $16,600 00 

75 " Boston & Lowell Railroad, . . 7,500 00 13,200 00 

100 " Boston & Albany Railroad, . . 10,000 00 20,250 00 

100 " Chicago, Burlington & Quincy R R., 10,000 00 10,000 00 

20 " Boston & Providence Railroad, . 2.000 00 

100 " Atch., Topeka & Santa Fe R.R., . 10.000 00 4,000 00 

50 " Dedham Water Company, . . 5,000 00 00 

City of Boston bonds, 10,000 00 10,285 00 

N. H. Trust Company bonds, .... 10,000 00 9,500 00 

Consolidated Street Railway Company bonds, 5,000 00 00 

Boston & Providence Railroad bonds, . . 10,000 00 10,300 00 

Minneapolis Gas Light Company bonds, . . 5,000 00 5,000 00 

N. E Mortgage Security Company bonds, . 23,000 00 21,850 00 

Boston & Lowell Railroad bonds, . . . 5,000 00 5,162 50 

Union Pacific Railroad bonds, .... 26,000 00 26,380 00 

Maine Central Railroad bonds, . . . 5,000 00 5.250 00 

Oregon Short Line Railroad bonds, . . . 10,000 00 10,000 00 

Cincinnati city bonds, 25,000 00 30,500 00 

Kan. City, St. J. & Council Bluffs R R. bonds, 9,000 00 10,350 00 

Chicago city bonds, 6,000 00 6,600 00 

Marquette & Ontonagon Railroad bonds, . 32,000 00 32,000 00 

Atchison, Topeka & Sante Fe R.R. bonds, . 48,000 00 34,800 00 

Northern Pacific Railroad bonds, . . . 5,000 00 5,5<>0 00 

Philadelphia & Reading Railroad bonds, . . 8,000 00 8,400 00 



1891.] 



INSURANCE COMPANIES. 



59 



Old Colony Railroad bonds, 

Fremont, Elkhorn & Mo. Val. Railroad bonds 

Washington County, Illinois, bonds, 

Fitchburg Railroad bonds, 

Grand Avenue Railway, Kansas City, bonds, 

Lombard Investment Co. bonds, 

Western Security Co. bonds, 

Salem city bonds, 

Randolph town notes, .... 



Summary of Assets Dec 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc , as per schedule, 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 
Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus clue on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 



Par Value. 

$12,000 00 
5,000 00 
5,000 00 
20,000 00 
5,000 00 
5,000 00 
5,000 00 
5,000 00 
4,800 00 



Market Value. 

$13,200 00 
, 5,750 00 
5,000 00 
20,000 00 
4,800 00 
4,750 00 
4,750 00 
5,403 50 
9,300 00 



$363,300 00 $383,831 00 

31, 1891. 

$10,000 00 

48,750 00 

383,831 00 

6,644 52 

5,340 01 

6,897 07 

310 41 

$461,773 01 



Net cash assets, 



$128,407 64 

162 31 

5,208 81 

801 00 



134,579 76 
$327,193 25 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 

Received for interest on mortgages, 

for interest from all other sources, 
for rents, 



Gross cash income, 



EXPENDITUKES. 

Paid for losses during the year, 

for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 



Gross cash expenditures, 



$52,539 95 
1,502 44 

$51,037 51 

2,718 00 

20,311 19 

1,181 25 

$75,247 95 



$16,864 90 

7,783 57 

6,266 76 

752 73 

27,278 71 

1,265 45 

$60,212 12 



60 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 

Miscellaneous. 

Amount. Cash Prem"8. Continjj't Prem's. 

Risks outstanding Dec. 31, 1890, $16,784,390 00 $249,14-4 19 $217,siG 97 
Risks written during 1891, . 3,651,516 00 53,694 20 52,186 20 



Total, $20,435,906 00 $302,838 39 | ; 17 

Risks terminated during 1891, . 2,998,029 00 46,023 11 44,346 00 



In force at end of year, . .? 17,437,877 00 £256,815 28 $255,657 17 

Losses incurred during the year, f 16,864 90 

Percentage of profits or surplus returned during 1891, 33 J, 50, 70 per cent. 



PAPER MILL MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated Nov. 23, 18S6. Commenced business April 1, 1887.] 
R. W. TOPPAN, President. Wil. H. H. WHITING, Secretary. 

Office, No. 31 Milk Street. 
Detailed Statement of Stocks, Bonds, etc 

Par Value. Market Value. 

Portland & Ogdensburg Railroad bonds, . . $5,000 00 $5,250 00 

Fitchburg Railroad bonds, .... 5,000 00 00 

Cincinnati, Sandusky & Cleveland R.R. bonds, 5,000 00 00 

Maine Central Railroad bonds, . . . 10,000 00 1«>,500 00 

Atchison, Topeka & Santa Fe Railroad bonds, 5,000 00 4,17 

Pennsylvania Railroad bonds, .... 5,000 00 5,500 00 



?35,000 00 $35,925 00 



Summary op Assets Dec. 31, 1891. 

Stocks, bonds, etc , as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, .... 

Net cash assets, , 



111 35 




9,150 06 




467 83 




475 00 






$46,129 24 




$8,441 51 




150 00 




20,547 89 




80 22 






*>0 oiq fio 






iii> 


$16,909 62 



1891.] INSURANCE COMPANIES. 61 

Income. 

Cash premiums received during the year, .... $ 43,357 60 

Deduct return premiums, 2,253 35 

Net cash premiums received, , $41,104 25 

Received for interest from all sources, 1,816 74 

Gross cash income, $ 42,920 99 

Expenditures. 

Paid for losses during the year, $8,332 72 

for salaries and fees of officers and employees, . . 2,749 98 

for State and local taxes, 407 65 

for rents, 150 00 

for profits or surplus on terminated policies, . . . 26,304 63 

for incidental expenses, . . . . . . . 1,116 07 

Gross cash expenditures, $39,061 05 

Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1890, $3,659,213 00 $10,312 07 $201,560 35 

Risks written during 1891, . 4,146,803 00 43,529 24 217,646 20 

Total $7,806,016 00 $83,841 31 $419,206 55 

Risks terminated during 1891, 3,954,235 00 42,745 53 213,727 65 

In force at end of year, . . $3,851,78100 $41,095 78 $205,478 90 

Losses incurred during the year, $16,924 23 

Percentage of profits or surplus returned during 1891, 65 T 7 n 8 o per cent. 
Average rate to date, 68 T 1 5 7 o P er cent. 



PATRONS 1 MUTUAL FIRE INSURANCE COMPANY, WORCESTER. 

[Incorporated May 23, 1887. Commenced business Aug. 1, 1887.] 
NORMAN B. DOUGLAS, President. GEORGE R. CHASE, Secretary. 

Office at Medfield. 

Summary of Assets Dec. 31, 1891. 

Cash deposited in bank, 

Premiums in course of collection (gross), 
Unpaid assessments on deposit notes, 

Gross assets, $4,234 07 



Liabilities. 
Unearned premiums on outstanding risks, 
Commission and brokerage, .... 

Salaries accrued , 

Gross liabilities, 3,248 67 



$704 55 

24 69 

3,504 83 


$2,960 46 

5 00 

283 21 



Net cash assets, ......... $985 40 



62 MASSACHUSETTS MUTUAL FIRE 

Income. 
Cash premiums received during the year, .... 
Deduct return premiums, 

Net cash premiums received, . . . 

Received for interest from all sources, 

Received for assessm'ts on dep. notes or contingent prem's, . 

Gross cash income, 

Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for incidental expenses, 

Gross cash expenditures, 

Miscellaneous. 

Amount. Cash Prem's. 

Risks outstanding Dec 31,1890, $1,144,544 00 $7,016 69 

Risks written during 1891, . 84,438 00 596 16 

Total, .... $1,228,982 00 £7,612 85 

Risks terminated during 1891, 244,227 00 1,69193 

In force at end of year, . . $984,755 00 $5,920 92 

Losses incurred during the year, 

Assessments laid on deposit notes or contingent premiums, , 



[Dec. 31, 



$678 02 


17 


26 


|660 


70 


114 


32 


42 


61 



$817 69 



84,857 76 


34 50 


404 05 


6 74 


2 00 


79 72 



$5,384 77 



Continpt Prem's. 

$17,726 76 
1,788 48 

$19,515 24 
4,119 53 

$15,395 71 

$3,811 63 
$3,504 83 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1851. Commenced business May, 1851.] 
CHARLES A. HOAYLAND, President. WILLIAM H. FAY, Secretary. 



Amount of permanent fund, 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

88 shares Rockland National Bank, Boston, . $ 8,800 00 

200 " Manufacturers 1 Nat'l Bank, Boston, 20,000 00 

370 " Third National Bank, Boston, . 37,000 00 

70 " Second National Bank, Boston, . 7,000 00 

50 " First National Bank, Boston, . . 5,000 00 



§335,451 40 



Market Valne. 

$13,200 00 
20,000 00 
38,850 00 
13,300 00 
12,000 00 



1891.] 



INSURANCE COMPANIES. 



63 



40 shares Merchants' National Bank, Boston 

35 " State National Bank, Boston, . 

66 " Washington National Bank, Boston 

45 " Blackstone National Bank, Boston 
37 " Revere National Bank, Boston, 

50 " Hamilton National Bank, Boston, 

46 " Continental National Bank, Boston 
75 " Redemption National Bank, Boston 
25 " Market National Bank, Boston, 

100 " North National Bank, Boston, 

239 " Mt. Wollaston Nat'l Bank, Quincy 

44 " Granite National Bank, Quincy, 

50 • " Wachusett Nat'l Bank, Fitehburg 

64 " Hingham Nat'l Bank, Hingham, 

48 " First Nat'l Bank, South Weymouth 

77 " Union Nat'l Bank, South Weymouth 

10 " Quinsigamond Nat'l Bank,Worc's'r 
50 " Brockton National Bank, Brockton 
29 " Plymouth National Bank, Plymouth 
25 " First National Bank, West Newton 

100 " Chicago, Burlington & Quincy R R 

300 M Boston & Lowell Railroad, 

11 " Old Colony Railroad, 
107 " Hino-ham Cordage Co., . 
178 " Lawrence Duck Co., 

8 " Quincy Street Railway, . 
East Middlesex Street Railroad bonds, 
50 shares State St Safe Deposit and Trust Co 



Securities held as collateral for cash loans : — 



Decatur city Water Co. bonds, 

250 shares N. E Dressed Meat and Wool Co 

Warehouse receipts, .... 

500 shares Thomson-Houston Elec. Light Co 
27 " Massawippi Railroad Company, 
40 " Fitchburg Railroad Company, 

Toledo, St Louis and Kansas City bonds, 

Mexican Central Incomes, 

100 shares Traders National Bank, . 
12 " Minnehaha Trust Company, 
15 " Sioux Falls National Bank, 

Naumkeag Street Railroad bonds, . 

Atchison & Topeka Railroad bonds, 



Par Value. 

$4,000 00 

3,500 00 

6,600 00 

4,500 00 

3,700 00 

5,000 00 

4,600 00 

7,500 00 

2,500 00 

10,000 00 

23,900 00 

4,400 00 

5,000 00 

4,480 00 

4,800 00 

7,700 00 

1,000 00 

5,000 00 

2,900 00 

2,500 00 

10,000 00 

30,000 00 

1.100 00 

10,700 00 

17,800 00 

800 00 

10,000 00 

5,000 00 



Market Value. 

$5,880 00 

4,200 00 

7,590 00 

4,500 00 

3,885 00 

6,000 00 

5,750 00 

9,375 00 

2,375 00 

13,700 00 

32,265 00 

5,720 00 

10,000 00 

4,480 00 

5,760 00 

. 8,470 00 

1,100 00 

6,000 00 

3,190 00 

2,500 00 

10,600 00 

51,000 00 

1,815 00 

10,700 00 

17,800 00 

800 00 

10,0 i0 ( 

5,000 00 



$276,780 00 $347,805 00 



Loaned Thereon. 

$10,000 00 
23,000 00 
10,000 00 



Market Value 

$13,000 00 
37,500 00 
11,000 00 
25,000 00^ 

2,970 00 | 

3,400 00 }> 32,500 00 

1,860 00 I 

6,600 00 J 
11,000 00 

1,200 00 

1,500 00 
11,000 00 

8,500 00 



10,000 00 
2,500 00 

10,000 00 
6,000 00 



$131,530 00 $101,000 00 



64 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



Summary of Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc , as per schedule, . 
Loans on collateral security, as per schedule, 
Loans on personal security, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned "premiums on outstanding risks, 
Return premiums on terminated policies, 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 



Net cash assets, 



31, 1891. 

$17,000 00 

55,120 00 

347,805 00 

104,000 00 

32,557 09 

25 00 

36,879 73 

10,183 18 

6,236 60 

220 00 



$3,550 00 

2,000 00 

233,104 77 

7,500 00 

1,750 00 



Income. 
Cash premiums received during the year, 
Received for interest on mortgages, 

for interest from all other sources, 

for rents, 

from all other sources, 



Gross cash income, 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $ 31,632,021 00 



Risks written during 1891, 

Total, 
Risks terminated during 1891, 



9,228,380 00 



$40,860,401 00 
8,927,134 00 



Cash Prem's. 

$461,443 20 
134,520 98 

$595,964 18 
129,754 64 



$610,026 60 



247,901 77 

$362,121 83 

$131,079 37 

4,506 38 

21,797 86 

699 63 

317 84 

$158,401 08 



$31,334 26 
20,832 42 
11,329 36 

2,323 34 
58,955 54 

6,249 37 



In force at end of year, . . $31,933 267 00 $466,209 54 

Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 20, 40, 



$131,024 29 

Contingt Prem's. 

$461,443 20 
134,520 98 

$595,964 18 
129,754 64 

$466,209 54 

$32,634 26 
60 per cent. 



1891.] 



INSURANCE COMPANIES. 



G5 



RUBBER MANUFACTURERS 1 MUTUAL INSURANCE COMPANY, 

BOSTON. 

[Incorporated Nov. 4, 1884. Commenced business Jan. 15, 1885.] 



E. S. CONVERSE, President. 



Office, No. 31 Milk Street. 



B. F. TAFT, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Fitchburg Railroad bonds, .... $5,000 00 $5,300 00 

Boston & Lowell Railroad bonds, . . . 10,000 00 9,900 00 

Maine Central Railroad bonds, . . . 4,000 00 3,900 00 

Ticonderoga Pulp and Paper Co. bonds, . . 5,000 00 5,000 00 

New York & New England Railroad bonds, . 8,000 00 8,964 00 

Metropolitan Railroad bonds, .... 1,000 00 1,065 00 

Boston Consolidated Street Railroad bonds, . 12,000 00 13,254 00 

Middlesex Railroad bonds, .... 1,000 00 1,065 00 

Cambridge Street Railroad bonds, . . . 1,000 00 1,032 50 

Cheshire Railroad bonds, 4,000 00 4,431 00 

Maiden Electric Co bonds, .... 5,000 00 5,000 00 

200 shares Thomson-Houston Electric Co , . 5,000 00 5,535. 00 

Corporation notes, 71,300 00 71,300 00 



Summary of Assets Dec 
Stocks, bonds, etc , as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, 



$132,300 00 $135,746 50 

31, 1891. 

$135,746 50 

3,450 08 

2,767 00 

4,246 07 • 

2,180 00 
$148,389 65 



Net cash assets, 



$297 46 

64,891 50 

233 02 



65,421 98 
$82,967 67 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, 
Received from all other sources, 

Gross cash income, . 



$132,485 48 
11,194 13 

$121,291 35 
7,497 04 , 
2,302 93 

$131,091 32 



66 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Expenditures. 
Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for profits or surplus on terminated policies, . 
for incidental expenses, 

Gross cash expenditures, 



Miscellaneous . 

Amount. 

Risks outstanding Dec. 31, 1890, $9,801,357 00 
Risks written during 1891, . 12,993,178 00 



Ca6h Prem's. 

$112,868 78 
134,376 24 



Total, .... $22,794,535 00 
Risks terminated during 1891, 10,917,047 00 



$247,245 02 
117,462 01 



$51,574 19 
5,500 00 

1,312 06 

66,707 21 

6,645 59 

$131,769 05 



Conting't Prem's. 

$564,343 90 
671,881 20 

$1,236,225 10 
587,310 05 



In force at end of year, . 



$11,877,488 00 $129,783 01 $648,915 05 



Losses incurred during the year, $51,871 65 

Percentage of profits or surplus returned during 1891, 65 per cent. 
Average rate to date, 65 per cent. 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated April 17, 1838. Commenced business May, 1838.] 
CHARLES S. NICHOLS, President. SAMUEL A. POTTER, Secretary. 



Amount of permanent fund, 

i 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

20 shares Salem National Bank, . . . $2,000 00 

14 " Asiatic National Bank, Salem, . 420 00 
5 " Exchange National Bank, Salem, . 500 00 

15 " Salem Gas Light Company, . . 1,500 00 
9 " Boston & Maine Railroad, . . 900 00 

Cincinnati (111.) city bonds, .... 1,00000 

Springfield city bonds, 1,000 00 

Cleveland (Ohio) city bonds, .... 1,000 00 

St. Louis (Mo.) city bonds, .... 1,000 00 

Toledo (Ohio) city bonds, 2,000 00 

Keene (N. H.) city bonds, .... 1,000 00 

Boston & Maine Railroad bonds, . . . 1,000 00 

Fitchburg Rail road bouds, 2,000 00 

Boston & Lowell R R. bonds, .... 1,000 00 

. Omaha city bonds, 1,000 00 

Cook County bonds, 1,000 00 

Haverhill city bonds, 1,000 00 



$52,580 66 



Market Value. 

$2,740 00 
500 00 
545 00 
1,350 00 
1.250 00 
1,240 00 
1,270 00 
1,010 00 
1,030 00 
2,090 00 
1,060 00 
1,047 50 
2,105 00 
1,040 00 
1,010 00 
1,010 00 
1,000 00 



$19,320 00 $21,297 50 



1891.] 



INSURANCE COMPANIES. 



67 



Summary of Assets Dec 
Loans on mortgage of real estate (first liens) 
Stocks, bonds, etc , as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, ..... 

Liabilities. 

Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, .... 



31, 1891. 

$40,850 00 

21,297 50 

1,079 14 

1,304 03 

717 60 

855 01 



5,530 34 

630 99 

82 89 

461 52 



,103 28 



Net cash assets, 



9,705 74 
$56,397 54 



Income. 

Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, . 
Received for interest on mortgages, 
Received for interest from all other sources, 

Gross cash income, . . ' . 



$7,891 12 
54 84 

$7,836 28 
3,398 94 
1,065 50 

$12,300 72 



Expenditures. 

Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, 
for incidental expenses, .... 

Gross cash expenditures, .... 



Miscellaneous. 

Amount. 

Risks outstanding Dec. 31, 1890, $1,013,425 00 
Risks written during 1891, . 522,450 00 



Cash Prem's. 

f 15,777 97 
7,846 22 



Total, . 
Risks terminated during 1891, 

In force at end of year, . 



$1,535,875 00 
443,025 00 



$23,624 19 
6,563 51 



$1,092,850 00 $17,060 68 



$2,173 89 

638 66 

1,600 90 

71 26 

300 00 

3,105 63 

147 74 

$8,038 08 



Conting't Prem's. 

$15,777 97 
7,846 22 



$23,624 1& 
6,563 51 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 48£ per cent. 
Average rate to date, 40 per cent. 



$17,060 68 
$2,173 89 



68 MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, AMESBURY. 

[Incorporated May 18, 1855. Commenced business June 13, 1855.] 
GEORGE F. BAGLEY, President. CHARLES L. ALLEN, Secretary. 

Summary of Assets Dec 31, 1891. 

Cash in the office of the company, . . . $152 00 

Cash deposited in bank, 255 90 

Office safe, . . . . $100 00 

Gross assets, $407 90 



Liabilities. 



% 



Unearned premiums on outstanding risks, . $1,131 76 

Gross liabilities, 1,131 76 

Balance against the company, $723 86 

Income. 

Cash premiums received during the year, .... $355 58 

Deduct return premiums, 65 01 

Net cash premiums received, . . . m . . . . $290 57 

Received for interest from all sources, 11 81 

Gross cash income, $302 38 

Expenditures. 

Paid for losses during the year, $30 00 

for salaries and fees of officers and employees, . . 152 00 

for profits or surplus on terminated policies, ... 30 15 

for incidental expenses, 34 50 

Gross cash expenditures, $246 65 

Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1890, $299,492 00 $2,490 12 $24,901 20 

Risks written during 1891,. . 42,955 00 355 58 3,555 80 

Total, $342,417 00 $2,845 70 $28,457 00 

Risks terminated during 1891, . 70,960 00 582 27 5,822 70 

In force at end of year, , . $271,487 00 $2,263 43 $22,634 30 

Losses incurred during the year, $30 00 



1891.] 



INSURANCE COMPANIES. 



69 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorporated Feb. 24, 1852. Commenced business April 1, 1852.] 

HERBERT B. NEWHALL, President. WILBUR F. NEWHALL, Secretary. 

[Note. — This company insures nothing but dwellings, farm buildings and their contents, in 
Lynn, Saugus, Lynnfield, Swampscott and Nahant. No cash premiums are taken; but assess- 
ments are made on deposit notes to pay losses and expenses. All policies are issued for a term 
of three years.] 

Summary of Assets Dec. 31, 1891. 

Cash in the office of the company, . . . $94 68 

Cash deposited in bank, 12 30 

Unpaid assessments on deposit notes, . . 300 00 

Gross assets, $106 98 



Due for borrowed money, 
Gross liabilities, . 



Liabilities. 



$500 00 



$500 00 



Income. 

Received for interest from all sources, 

from assessm'ts on dep. notes or contingent prem's, 
for rents, ......... 

from policy fees, 

borrowed money, $1,200 



Gross cash income. 



$12 28 


3,666 83 


20 0* 


637 00 



$4,336 11 



Expenditures. 
Paid for losses during the year, .... 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, . 

for rents, 

for incidental expenses, . 
Borrowed money repaid, . 



$1,700 00 



Gross cash expenditures, . 

Miscellaneous. 



Risks outstanding Dec. 31, 1890, 
Risks written during 1891, 

Total, 

Risks terminated during 1891, . 



In force at end of year, 



Amount. 

$2,981,025 00 
1,037,450 00 

$4,018,475 00 
1,031,925 00 



$2,204 10 

1,400 00 

64 85 

38 10 

112 50 

293 57 



$4,113 12 



Conting't Prem's. 

$367,320 00 
128,097 00 

$495,417 00 
126,772 00 



$2,986,550 00 $368,645 00 



Losses incurred during the year, $2,204 10 

Assessments laid on deposit notes or contingent premiums, $3,779 70 



70 



MASSACHUSETTS MUTUAL FIEE [Dec. 31, 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

[Incorporated June 12, 1829. Commenced busineBB Aug. 1, 1829.] 
WILLIAM P. CLARK, President. GEORGE M. FOSTER, Secretary. 

Amount of permanent fund, 154,125 18 



Detailed Statement of Stocks, Bonds, etc. 



Ill shares South Danvers Nat'l Bank, Peabody, 
48 " Warren National Bank, Peabody, 
51 " Asiatic National Bank, Salem, 
20 " Naumkeag National Bank, Salem, 
18 " National Exchange Bank, Salem, 
12 " First National Bank, Salem, . 
34 " First National Bank, Danvers, 
30 " Hide & Leather Nat'l Bank, Boston 
8 " Andover National Bank, Andover, 
1 " Cape Ann Nat') Bank, Gloucester, 
10 " Manufacturers' Nat'l Bank, Boston 
10 " Naumkeag Steam Cotton Co , 
20 " Androscoggin Mills, 

Cincinnati city bonds, .... 

Boston & Maine Railroad bonds, 

Eastern Railroad bonds, .... 

Ogdensburg & Lake Champlain R R. bonds, 

AYaketield water company bonds, . 

Providence city bonds, .... 



Par Value. 
$11,100 00 

4,800 00 
1,530 00 
2,000 00 
1,800 00 
{ 1,200 00 
2,550 00 
3,000 00 
800 00 
100 00 
1,000 00 
1,000 00 
2,000 00 
2,000 00 
2,000 00 
2,000 00 
3,000 00 
2,000 00 
7,000 00 



Market Valoe. 

$14,430 00 
C,480 00 
1,848 75 
2,765 00 
1,971 00 
1,548 00 
2,911 25 
3,720 00 
920 00 
137 50 
1,030 00 
1,086 25 
2,850 00 
2,490 00 
2,030 00 
2,412 40 
3,097 50 
2,000 00 
7,315 00 



$50,880 00 $61,042 65 



Summary of Assets Dec. 31, 1891. 



Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, 
Gross assets, . 



$61,042 65 

83 00 

6,606 87 

558 00 



?68,290 52 



Liabilities. 

Unearned premiums on outstanding risks, . $11,912 07 

Surplus due on terminated policies, . . 686 50 

Rents, salaries and incidental expenses, . . 341 00 

Gross liabilities, 

Net cash assets, 



12.939 57 
$55,350 95 



1891.] 



INSURANCE COMPANIES. 



71 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, .... 
Received for interest from all other sources, . 
Received from all sources, . 



Gross cash income, 



5,207 05 
202 00 



$3,005 05 

2,710 00 

110 00 



$5,825 05 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 
for profits or surplus on terminated policies, . 
for incidental expenses, 



Gross cash expenditures, 



Risks outstanding Dec. 31,1890, 
Risks written during 1891, 



Miscellaneous. 

Amount. 

$1,100,388 00 
138,263 00 



Total, .... 
Risks terminated during 1891, 

In force at end of year, 



Cash Prem' 

$23,683 
3,207 



60 
05 



$1,238,651 00 
129,025 00 



$26,890 
3,066 



65 
50 



$1,109,626 00 $23,824 15 



$729 74 
1,258 00 

29 72 
2,785 95 

31 25 



$4,834 6Q 



Conting't Prem's. 

$71,050 80 
9,621 15 



Losses incurred during the year, 

Percentage of profits or surplus returned during 1891, 100 per cent 



,671 95 
9,189 50 

1,482 45 

$729 74 



TRADERS 1 AND MECHANICS' MUTUAL FIRE INSURANCE 
COMPANY, LOWELL. 

[Incorporated June, 1848. Commenced business June, 1848.] 
LEVI SPRAG-UE, President. EDWARD M. TUCKE, Secretary. 

Amount of permanent fund Dec. 31, 1890, .... $386,820 73 

Increase during the year, . 12,164 42 

Permanent fund Dec. 31, 1891, $398,985 «15 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Connecticut & Passumpsic Rivers R.R. bonds, $1,000 00 $1,000 00 

East Middlesex Street Rairway bonds, . . 10,000 00 10,000 00 

Boston United Gas Company bonds, . . 10,000 00 8,800 00 

Swift & Company bonds, 5,000 00 5,0b0 00 



72 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



20 shares Androscoggin Mills, 



2 

50 

152 

5 

3 

10 
15 
30 
30 
20 
63 
25 



Hamilton Manufacturing Company, 
Lawrence Gas Company, 
Lowell Gas Company, 
Lowell Manufacturing Company, 
Massachusetts Cotton Mills, . 
Merrimack Manufacturing Co , 
Middlesex Company, 
Tremont & Suffolk Mills, 
Old Lowell National Bank, 
National Bank of North America, 
Connecticut River Railroad, . 
Vermont & Massachusetts R R , 



Securities held as collateral for cash loans : — 



60 shares Shepard & Morse Lumber Co., 
1 " Appleton Company, 
130 " Boston & Maine R R, . 
25 " Shoe and Leather Company, . 
Lowell & S. Street R.R. bonds, 
100 shares American Investment Company, 
71 
50 
70 
125 
1 
10 
6 
30 



Erie Telephone Company, 
Lowell & S Street R.R bo., . 
American Bolt Company, 
Thorndike MTg Company, . 
Merrimack MTg Company, . 
Bates MTg Company, . 
Vermont & Massachusetts R R , 
Lowell Gas Light Company, . 

Lexington Water Works bonds, • . 

260 shares Cleveland Telephone Company, 
50 shares Greene & Wood MTg Company, 

American Bobbins, Spool and Shuttle Co., 

100 shares Nat'l Pemberton Bank, . 



Par Value. 

82,000 00 
2,000 00 
5,000 00 

15,200 00 
3,450 00 
3,ooo 00 

10,000 00 
1,500 00 
3,000 00 
00 00 
2,000 00 
6,000 00 
2,500 00 



Market Value. 

$2,850 00 

50 00 

7,000 00 

>o oo 

3,150 00 

3,135 00 

10,750 00 

1,987 50 

3,750 00 

3,750 00 

2,420 00 

11,00 
3,37 



$83,650 00 $118,017 50 



Market Value. 

|7 3 

500 00 

21,450 00 

2,500 00 

25,000 00 

5,000 00 

3,053 0;) 

5,000 00 

7,000 00 

12,500 00 

1,<)75 00 

1/250 00 

810 00 

7,500 00 

2,000 00 

26,000 00 

2,500 00 

12,000 00 

16,000 00 



Loaned Thereon. 

$6,000 00 

200 00 

20,000 00 

2,000 00 

2»»,000 00 

•0 00 

900 00 

5,000 00 

5,200 00 

^0 00 

1,400 00 

JO 00 

00 

2,000 00 

13,000 00 

2,500 00 

10,000 00 

14,000 00 



$158,938 00 $119,450 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens), $217,785 00 

Stocks, bonds, etc., as per schedule, . . 118,017 50 

Loans on collateral security, as per schedule, . 119,450 00 

Loans on personal security, .... 147,818 80 

Cash in the office of the company, . . . 4,063 66 

Cash deposited in bank, 29,931 93 

Premiums in course of collection (gross), . • 4,683 25 

Interest due and accrued, 5,729 45 

Gross assets, .... . $647,479 59 



1891.] 



INSURANCE COMPANIES. 



73 



Liabilities. 

I 

Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, .... 



$247,864 13 
630 31 



$248,494 44 



Net cash assets, $398,985 15 



Income. 
Cash premiums received during the year, 
Deduct return premiums, 

Net cash premiums received, .... 
Received for interest on mortgages, 
Received for interest from all other sources, . 



$144,311 56 
4,055 22 

$140,256 34 
11,877 71 
25,265 27 



Gross cash income, $177,399 32 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for State and local taxes, 

for rents, 

for profits or surplus on terminated policies, . 

Gross cash expenditures, 



$46,359 66 

20,325 48 

14,526 55 

1,856 72 

1,600 00 

58,2ol 59 

$142,870 00 



Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1890, $30,668,025 00 $461,577 50 $461,577 50 

Risks written during 1891, . 9,461,038 00 141,680 92 141,680 92 



Total $40,129,063 00 $603,258 42 $603,258 42 

Risks terminated during 1891, 7,270,87100 107,544 37 107,544 37 



In force at end of year, . . $32,858,192 00 $495,714 05 $495,714 05 

Losses incurred during the year, . . . . . $43,412 58 

Percentage of profits or surplus returned during 1891, 30, 50, 70 per cent. 



WACHUSETT MUTUAL FIRE INSURANCE COMPANY, 

FITCHBURG. 

[Incorporated May 8, 1891. Commenced business July 15, 1891.] 
HENRY A. GOODRICH, President. FREDERICK A. CURRIER, Secretary. 

Summary of Assets Dec. 31, 1891. 
Cash in the office of the company, . . . $27 25 

Cash deposited in bank, 3,971 71 

Premiums in course of collection (gross), . 2,621 46 

Office furniture, .... $350 00 

Gross assets, ...... 



$6,620 42 



74 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



Liabilities. 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, . 
Gross liabilities, 



Net cash assets, 



$5,339 98 

412 81 

45 00 



|6,797 79 

$822 63 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Gross cash income, 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 

for salaries and fees of officers and employees, 

for State and local taxes, . 

for rents, 

for incidental expenses, . 



Gross cash expenditures, 



$11,443 48 


710 26 


$10,733 22 


$637 90 


1,110 30 


575 00 


73 61 


139 66 


1,576 33 



Bisks written during 1891, 
Risks terminated during 1891, . 



Miscellaneous 

Amount. 

. $804,953 00 
52,746 00 



Cash Prem's. 

fll,390 22 
710 26 



In force at end of year, . 
Losses incurred during the year, 



$752,207 00 $10,679 96 



$4,112 80 



Contlng't Prem's. 

$11,390 22 
710 26 

$10,679 96 
$637 90 



WESTFORD MUTUAL FIRE INSURANCE COMPANY, 

WESTFORD. 

[Incorporated March 16, 1840. Commenced business July, 1840.] 
ALLAN CAMERON, President. J. HENRY READ, Secretary. 

Amount of permanent fund Dec. 31, 1891, .... $4,69287 

Summary of Assets Dec. 31, 1891. 
Loans on mortgage of real estate (first liens), $2,861 34 

Loans on personal security, 
Cash deposited in bank, . 
Premiums in course of collection (gross), 
Interest due and accrued, . 

Gross assets, $7,087 50 



64 00 


3,636 


05 


376 


95 


149 


16 



1891.] INSURANCE COMPANIES. 75 

Liabilities. 

Unearned premiums on outstanding risks, . $1,311 76 

Gross liabilities, $1,341 76 



Net cash assets, $5,745 74 

Income. 

Cash premiums received during the year, .... $377 95 

Received for interest from all sources, 149 16 



Gross cash income, $527 11 

Expenditures. 

Paid for losses during the year, $890 00 

for .salaries and fees of officers and employees, . 35 76 

for State and local taxes, 3 76 



Gross cash expenditures, $929 52 

Miscellaneous. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1890, $342,010 00 $2,821 76 $ 8,465 28 

Risks written during 1891, . 48,100 00 376 95 1,130 85 



Total, .... $390,110 00 $3,198 71 $9,596 13 

Deduct amount re-insured, . 67,500 00 514 88 829 85 



Net amount in force, . . . $322,610 00 $2,683 83 $8,766 28 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

[Incorporated March, 1828. Commenced business April, 1828.] 

WILLIAM MERRILL, President. HENRY T. BAILEY, Secretary. 

[Note. — This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 

Summary of Assets Dec. 31, 1891. 
Office furniture, .... $100 00 

Liabilities. 
Due for borrowed money, .... 

Rent and salaries accrued, .... 
Gross liabilities, ..... 

Income. 

Received from assessments on deposit notes, . 
Received from policy fees, .... 

Gross cash income, . $840 30 



12,750 00 
308 00 


$3,058 00 

$678 80 
161 50 


• 



76 



MASSACHUSETTS MUTUAL FIRE [Dec. 31 



Expenditures. 
Paid for losses during the year, .... 
for brokerage and commissions, 
for salaries and fees of officers and employees, 
for interest on borrowed money, 

for State and local taxes, 

for rents, 

for incidental expenses, 



Gross cash expenditures, 



$1,744 35 


105 05 


300 00 


123 75 


6 73 


15 00 


42 25 



17 13 



Miscellaneous. 



Risks outstanding Dec. 31, 1890, 
Risks written during 1891, 



Amount. Conting't Pram's. 

$2,807,353 00 f 154,804 61 
338,497 00 20,411 71 



Total, 

Risks terminated during 1891, 

In force at end of year, . 
Losses incurred during the year, 



$3,145,850 00 
356,857 00 



$175,276 32 
20,299 86 



. $2,788,993 00 $154,976 46 
$1,744 35 



WORCESTER MANUFACTURERS 1 MUTUAL INSURANCE 
COMPANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced business March 31, 1855.] 



GEORGE M. RICE, President. 



SAMUEL R. BARTON, Secretary. 



Detailed Statement of Stocks, 



Boston & Albany Railroad bonds, . 
Fitchburg Railroad bonds, 
Old Colony Railroad bonds, 
Providence & Worcester Railroad bonds, 
Chicago, Burl. & Quincy Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Worcester city bonds, .... 
Worcester Consolidated Street R.R. bonds, 
60 shares City National Bank, Worcester, 
Corporation notes, 



Bonds, etc. 

Par Value. 

$26,000 00 
30,000 00 
25,000 00 
13,000 00 
25,000 00 
15,000 00 
10,000 00 
14,000 00 
6,000 00 
70,000 00 



Market Value. 

$26,151 66 
31,387 50 
26,375 00 
13,780 00 
23,000 # 00 
18,225 00 
10,050 00 
14,700 00 
8,700 00 
70,000 00 



$234,000 00 $242,369 16 



Summary of Assets Dec. 31, 1891. 

Stocks, bonds, etc , as per schedule, . . $242,369 16 

Cash in the office of the company, . . . 453 22 

Cash deposited in bank, 17,036 95 

Gross assets, 



$259,859 33 



1891.] 



INSURANCE COMPANIES. 



77 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Taxes accrued, 

Gross liabilities, .... 



$315 79 

3,617 53 

110,785 75 

394 53 



$115,113 60 



Net cash assets, $144,7 -45 73 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 

Net cash premiums received, . 
Received for interest from all sources, . 



$225,347 97 
5,125 77 



$220,222 20 
13,069 79 



Gross cash income, $233,291 99 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 

for State and local taxes, 

for rents, . . . * 

for profits or surplus on terminated policies, . 
for incidental expenses and inspections, . 

Gross cash expenditures, 



$27,469 16 

7,096 40 

2,180 51 

• 900 00 

172,325 65 
5,282 47 

$215,254 19 



Miscellaneous. 

Amount. Cash Prem"s. Conting't Prem's. 

RisksoutstandingDec.31,1890, $23,966,417 00 $210,476 22 $1,041,534 95 

Risks written during 1891, . 26,579,206 00 225,347 97 1,126,739 85 



Total $50,545,623 00 $435,824 19 $2,168,274 80 

Risks terminated during 1891, . 24,808,198 00 214,252 69 1,073,103 20 



In force at end of year, . . $25,737,425 00 $221,571 50 $1,095,171 60 

Losses incurred during the year, $30,910 76 

Percentage of profits or surplus returned during 1891, 82 T 4 6 }j per cent. 
Average rate to date, 75^ per cent. 



78 



MASSACHUSETTS MUTUAL FIRE [Dec. 31, 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated Feb. 11, 1823. Commenced business May 1, 1824.] 
JOHN A. FAYERWEATHER, President. ROGER F. UPHAM, Secretary. 



Amount of permanent fund Dec. 31, 1890, 
Increase during the year, .... 



. ?368,59.o 

'J,7<)o 23 



Permanent fund Dec. 31, 1891, 



. $378,298 73 



Detailed Statement of Stocks, Bonds, etc. 



170 shares Worcester National Bank, 

200 " City National Bank, 
50 " Citizens' National Bank, . 
22 " Central National Bank, . 
57 " Mechanics* National Bank, 
45 " Quinsigamond National Bank 
40 " Fitchburg National Bank, 
15 " Blackstone National Bank, 
20 " Oxford National Bank, . 
15 " South bridge National Bank, 
20 " Westborough National Bank, 
25 " Wachusett National Bank, 

Union Pacific Railroad bonds, . 

Boston, Barre & Gardner Railroad bonds 

Fitchburg Railroad bonds, 

Worcester Consolidated Street Railway bonds, 

Atchison, Topeka & Santa Fe Railroad bonds, 



Securities held as collateral for cash loans : — 



42 shares Richardson Manufacturing Co , 

Sayings bank books assigned, . 

60 shares Howard Bros Manufacturing Co , 

Cleveland City Railroad bonds, 

15 shares Worcester Gas Light Company, 

Saving bank books assigned, . 

50 shares Worcester Corset Company, 

10 shares Fourth National Bank, N. Y., . 



Par Value. 

$17,000 00 
20,000 00 
5,000 00 
2,200 00 
5,700 00 
4,500 00 
4,000 00 
1,500 00 
2,000 00 
1,500 00 
2,000 00 
2,500 00 
5,000 00 
12,000 00 
25,000 00 
5,000 00 
5,800 00 



Market Value. 

124,650 00 
29,000 00 
6,250 00 
3,190 00 
6,270 00 
5,62 

6,000 00 
1,770 00 
2.200 00 
1,875 00 
2,240 00 
5,000 00 
5,500 00 
12,000 < 
25,500 00 
5,250 00 
4,517 00 



$120,700 00 ? 146,837 00 



Market Value. 

$4,200 00 
1,065 00 
6,0 (»0 
1,000 00 
2,400 00 
3,038 00 
5,000 00 
1,700 00 



Loaned Thereon. 

$2,000 00 
600 00 
5,000 00 
500 00 
1,500 00 
3,000 00 
3,200 00 
1,200 00 



$24,403 00 $17,000 00 



1891.] 



INSURANCE COMPANIES. 



79 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $80,000 00 

Loans on mortgage of real estate (first liens), 339,687 00 

Stocks, bonds, etc , as per schedule, . . . 146,837 00 

Loans on collateral security, as per schedule, . 17,000 00 

Loans on personal security, .... 24,450 00 

Cash in the office of the company and in bank, 25,667 44 

Premiums in course of collection (gross), . 6,217 03 

Interest due and accrued, 8,596 68 

Gross assets, $648,455 15 

Liabilities. 

Losses claimed and reported, .... $1,000 00 

Unearned premiums on outstanding risks, . 264,253 83 

Return premiums on cancelled policies, . . 201 54 

Surplus due on terminated policies, . . 3,684 15 

Commissions and brokerage, .... 1,016 90 

Gross liabilities, 270,156 42 

Net cash assets, . . $378,298 73 



Income. 
Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, 
Received for rents, .... 



Gross cash income, 



$116,638 21 
4,292 58 

$112,345 63 

25,340 30 

6,653 87 

$144,339 80 



Expenditures. 
Paid for losses during the year, 

for brokerage and commissions, 
for salaries and fees of officers and employees 
for State and local taxes, .... 
for profits or surplus on terminated policies, 
for incidental expenses, .... 



Gross cash expenditures, . . . . 

Miscellaneous. 

Amount. 

Risks outstandingDec. 31, 1890, $35,201,829 00 
Risks written during 1891, . 8,150,049 00 



Total, .... $43,354,878 00 

Risks terminated during 1891, 7,306,833 00 



In force at end of year, . . $36,048,045 00 
Losses incurred during the year, 



Cash Trem's. 

$517,365 78 
115,601 48 

$632,967 26 
104,459 60 

$528,507 66 



$40,077 21 
16,031 15 
10,559 72 

3,073 28 
64,102 25 

4,212 14 

$138,055 75 



Contlng't Prem's 

$517,365 78 
115,601 48 



5632,967 26 
104,459 60 



$528,507 66 
$36,876 05 



Percentage of profits or surplus returned during 1891, 50, 70 per cent. 



80 



MUTUAL FIRE INS. COS. [Dec. 31/91 . 



AGGREGATE. 



Guaranty capital, 



Gross present assets, . 



Assets. 



Liabilities. 
Gross present liabilities, .... 

Income. 
Cash received for premiums during; the year, 
for interest and dividends, . 
for assessment on deposit notes, 
for rents, .... 

from all other sources, . 

Gross cash income, .... 



Expenditures. 

Cash paid for losses, 

for brokerage and commission on premiums, 

for salaries and fees of officers and employees, 

for interest on borrowed money, 

for State and local taxes, 

for rents, ..... 

for return of profits or surplus, . 

for dividends on guaranty capital, 

for all other expenditures, . 



Total expenditures, 

General Items. 
Risks written during the year, .... 
terminated during the year, 
outstanding at end of year, . . . . 
Amount of contingent premiums received thereon, 
of losses incurred during the year, 
of permanent fund, 



$300,000 00 



9,714,630 00 



4,329,263 00 



4,010,575 00 

436,561 00 

8,553 00 

21,996 00 

15,231 00 

§4,492,916 00 



$1,381,972 

229,968 

246,528 

441 

50,393 

16.777 

2,078,378 00 

21.000 00 

136,217 00 



00 
00 
00 
00 
00 
00 



$4,161,674 00 



$418,767,890 00 

35^.017,218 00 

703,089,799 00 

19,516,276 00 

1,447.916 00 

4,028,241 00 



MASSACHUSETTS 

MUTUAL MARINE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year Ending 

December 31, 1891. 



82 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced business Oct. 1, 1853.] 
EDMUND A. POOLE, President. WILLIAM H. LORD, Secretary. 

Office, No. 70 Kilby Street. 



Detailed Statement of Stocks 



100 shares Atlas National Bank, 

100 " Columbian National Bank, 

100 " Continental National Bank, . 

100 " National Bank of Commerce, . 

200 " National Hide and Leather Bank, 

loo " New England National Bank, 

100 « North National Bank, . 

100 " National Bank of Republic, 

50 " Old Boston National Bank, 

200 " Second National Bank, . 

100 " Tremont National Bank, 

100 " Washington National Bank, 

200 " Boston & Lowell Railroad, 
Brookline water bonds, 



and Bonds. 

Par Value. 

$10,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
00 
20,000 00 
K»,000 00 
1<»,000 00 
20,000 00 
10,000 00 



Market Value. 

$12,225 00 
10,7 

13,100 00 
12,700 00 
24.- 
16,00o 
13,600 00 
16,250 00 
5,937 oo 
38,050 00 
10,362 50 
11,525 00 
35,000 00 
11,700 00 



Securities held as collateral for cash loans : — 

Corporation notes, 

Personal loans, 



§165,000 00 $231,950 00 



Market Value. Loaned Thereon. 

.500 00 $2,500 00 
7,700 00 7,700 00 



? 10,200 00 $10,200 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in Atlantic National Bank, 
Interest due and accrued, .... 



31, 1891. 

$8,700 00 

231,950 00 

10,200 00 

2,140 69 
31,339 37 

1,100 00 



1891.] 



INSURANCE COMPANIES. 



83 



Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance due, 

Salvage due, 

Premiums more than 3 months due, $4,000 00 
Gross assets, 



,697 44 

95,508 93 

3,000 00 

7,000 00 



$449,636 43 



Liabilities. 



Losses claimed and reported, 
Less re-insurance, 



Net amount of unpaid losses, .... 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, . . 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, .... 
Gross liabilities, except scrip, . 

Surplus as regards policy-holders, . 

Scrip outstanding, not ordered to be redeemed, 

Impairment of scrip reserve, 



$16,000 00 
5,000 00 

$41,000 00 

109,187 02 

60 00 

600 00 

500 00 

1,500 00 



152,847 02 

$296,789 41 
506,840 00 

$210,050 59 



Income. 

Marine premiums outstanding Dec. 31, 1890, . $127,692 07 

Same not collected, ...... 1,667 95 

Net collected, $126,024 12 

Premiums on risks written or renewed, . . . 370,157 69 

Total, $496,181 81 

Premiums now in course of collection, . . 158,206 37 



Entire premiums collected, .... $337,975 44 
Less re-insurance and return premiums, . . 85,048 93 

Net cash marine premiums received, . . $252,926 51 

Interest and dividends received from all sources, . . . 14,733 62 

Gross cash income, $267,660 13 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$394,430 40 
96,386 32 



$298,044 08 

16,108 41 

17,983 32 

4,379 61 

10,966 2-2 

$347,481 64 



84 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 



Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec. 31, 1890, . . $6,106,71100 $223,23180 
Marine risks written during 1891, . . . 25,892,807 00 370,157 69 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. 032,059,518 00 $593,389 49 
. 26,981,036 00 399,117 17 



. $5,078,482 00 $194,272 32 
405,682 00 18,960 65 



1,672,800 00 $175,311 67 



Miscellaneous . 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
.Cash dividends declared from organization of company, 



$15,229,565 00 

. 10,647,721 00 

186,771 00 

. 3,279,076 00 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commenced business May 2, 1867.] 

Guaranty Fund paid up in Notes, $47,700. 

JOHN H. DANE, President. n. B. ALDEN, Secretary. 

Office, No 13 Congress Street. 



Detailed Statement of Stocks 



Old Colony Railroad bonds, . 
Fitchburg Railroad bonds, . • . 
Nashua & Rochester Railroad bonds, 
Boston & Albany Railroad bonds, . 
Boston & Maine Railroad bonds, 
New York & New England Railroad bonds, 
Metropolitan Railroad bonds, . 
Boston & Lowell Railroad bonds, . 
Consolidated Railroad of Vermont bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
150 shares Old Colony Railroad, 

75 ' 

70 
100 ' 

30 ' 

40 ' 

50 

10 ' 

60 

15 

10 



Boston & Providence Railroad, 
Boston & Maine Railroad, 
West End Railroad, 
Boston & Albany Railroad, . 
Chicago, Burling'n & Quincy R R 
New York & New England R.R., 
Southern Oregon Company, . 
National Webster Bank, 
Hamilton National Bank, 
Everett National Bank, . 



and Bonds. 

Par Value. 

$15,000 00 
23,000 00 
15,000 00 
2,000 00 
5,000 00 
5,000 00 
5,000 00 
5,000 00 
10,000 00 
1,000 00 
15,000 00 
7,500 00 
7,000 00 
5,000 00 
2,000 00 
4,000 0;) 
5,000 00 
1,(00 00 
6,000 00 
1,500 00 
1,000 00 



Market Value. 

§15,850 00 

24,475 00 

15,000 00 

2,000 00 

5,250 00 

6,000 00 

5,350 00 

5,375 00 

9,200 00 

1,120 00 

24,900 00 

18,750 00 

11,620 00 

8,500 00 

6,000 00 

4,360 00 

5,200 00 

843 00 

6,< 60 00 

1,800 00 

1,000 00 



f 142,000 00 $178,653 00 



1891.] INSURANCE COMPANIES. 85 

Summary of Assets Dec. 31, 1891. 

Stocks and bonds, as per schedule, . . $178,653 00 

Cash in the office of the company, . . . 1,443 49 

Cash deposited in Market National Bank, . 10,371 33 

Notes taken for marine and inland risks, . 42,855 58 
Subscription notes on time, not exceeding 

twelve months, not yet due, . . . 47,700 00 

Gross assets $281,023 40 

Liabilities. 

Losses claimed and reported, .... $12,000 00 

Losses disputed or resisted, .... 4,000 00 

Unearned premiums on outstanding risks, . 45,299 44 

Interest due or accrued on scrip, . . . 146 70 
Gross liabilities, except guaranty fund 

and scrip, 61,446 14 

• ■ 

Surplus as regards policj'-holders, . . . $219,577 26 

Guaranty fund, $47,700 00 

Scrip outstanding, not ordered to be redeemed, 156,272 00 

203,972 00 



Surplus over guaranty fund and scrip, .... $15,605 26 

Income. 

Marine premiums outstanding Dec. 31, 1890, $51,134 85 
Same not collected, 1,420 00 



Net collected, $49,714 85 

Premiums on risks written or renewed, . . 126,887 46 



Total, $176,602 31 

Premiums now in course of collection, . . 42,855 58 



Entire premiums collected, .... $133,74673 
Less re-insurance and return premiums, . 9,799 74 

Net cash marine premiums received, . . $123,946 99 

Interest and dividends received from all sources, . . . 7,742 41 



Gross cash income, $131,689 40 

Expenditures. 
Cash paid for marine and inland losses, . . $100,913 50 
Deduct salvage and re-insurance, . . . 1,312 04 



Net cash paid for marine and inland losses, .... $99,601 46 

Interest paid scrip-holders, 4,749 56 

Cash paid for commissions and brokerage, . . . 8,948 89 

for salaries of officers and employees, . . . 9,550 00 

for State and local taxes, 1,440 68 

for incidentals, 5,880 23 



Gross cash expenditures, £130,170 82 



86 MASSACHUSETTS MUTUAL MARINE [Dec. 31, 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1890, . 
Marine risks written during 1891, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



Premium* 

11,506,731 00 $81,823 86 
5,629,712 00 126,887 46 



£7,136,443 00 8208,711 32 
5,820,045 00 137,018 89 



$1,316,398 00 $71,692 43 
54,250 00 1,525 29 



$1,262,148 00 $70,167 14 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 



. $3,287,803 00 

. 2,273,611 00 

96,852 00 



1891.] 



INSURANCE COMPANIES. 



87 



AGGEEGATE. 



Whole amount of guaranty fund, in subscription notes, 
Whole amount of outstanding scrip not cancelled, 



Gross present assets, 



Assets. 



Liabilities. 
Gross present liabilities, . . ... 

Income 
Cash received during the year for marine premiums, 
for interest and dividends, 

Gross cash income, 

Expenditures. 

Cash paid during the year for marine losses, 

for brokerage and commissions on premiums, 
for salaries of officers and employees, 
for State and local taxes, .... 
for interest paid scrip-holders during year, 
for incidental expenses, .... 

Gross cash expenditures, 

General Items. 
Marine risks written during the year, .... 
Premiums charged or receivable thereon, . 
Marine risks terminated during the year, . 
Marine risks outstanding at end of year, . 
Marine losses incurred during the year, 



$47,700 00 
710,812 00 



730,659 00 
214,293 00 



37ii,874 00 
22,475 00 



$399,349 00 



$397,645 00 

25,057 00 

27,533 00 

5,821 00 

4,750 00 

16,847 00 



§477,653 00 



§31,522.519 00 

497,045 00 

32,801,081 00 

5,934,948 00 

283,623 00 



MASSACHUSETTS 

JOINT-STOCK FERE, MARINE, AND FIRE-MARINE 

INSURANCE COMPANIES. 



Detailed Statement oe Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1891. 



90 



MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated June 12, 1818. Commenced business June, 1818.] 

Paid up Capital, $300,000. 

FRANCIS PEABODY, President. J. W. FIELD, Secretary. 

Office, No. 47 Kilby Street. 



Detailed Statement of Stocks, 

222 shares Old Boston National Bank, 

200 ' 

45 ■ 

170 ' 

142 ' 

62 ' 

100 ' 

152 ' 

280 ■ 

100 ' 

56 ' 

69 ' 

462 * 

13 ' 

200 ' 

8 ■ 



4 Columbian National Bank. 

1 . National Eagle Bank, 

' Globe National Bank, 

1 Hamilton National Bank, 

1 New England National Bank, 

Suffolk National Bank, . 
' State National Bank, 
1 National Union Bank, 
4 Merchants' National Bank, 
1 Tremont National Bank, 
1 Washington National Bank, 
1 Boston & Albany Railroad, 
Boston & Lowell Railroad, 
1 Old Colony Railroad, 
' Merrimack Manufacturing Co , 
Chicago, Burl. & Quincy Railroad bonds, 
Eastern Railroad bonds, .... 
Chicago, Milwaukee & St. Paul Railroad bonds, 
Cincinnati, Ind., St. Louis & Chic. R.R. bouds, 
116 new shares Boston & Albany Railroad, 



Securities held as collateral for cash loans : — 

Kansas City, St. Jo. & Coun. Bluffs R.R. bonds, 
200 shares Essex Building Company, 



25 

40 

100 

2 



Calumet and Hecla Mining Co., 
Tamarack Mining Company, . 
American Sugar Ref g Company, 
Pacific Mills, . 



Bonds, etc. 

Tar Value. 

$22,200 00 
20,000 00 

4,500 00 
17,000 00 
14,200 00 

6,200 00 
10,000 00 
15,200 00 
28,000 00 
10,000 00 

5,600 00 

6,900 00 
46,200 00 

6,500 00 
20,000 00 

8,000 00 
50,000 00 
20,000 00 
25,000 00 
40,000 00 
11,600 00 



Market Value. 

in ,400 oo 

4,635 00 
17,000 00 

17,040 00 

9,920 00 

10,725 00 

18,506 00 

38,360 00 

15,000 00 

5,803 00 

■1 25 

92,400 00 

11,667 50 

32,950 00 

8,400 00 

45,750 00 

23,3S9 19 

— .375 00 

36,800 00 

12,702 00 



$387,100 00 $485,137 44 



Market Value. Loaned Thereon. 



$6,037 50 
20,000 00 
6,500 00^ 



$3,306 25 
15,000 00 



6,400 00 j 



9,250 00 , 
3,360 00 j 



> 20,000 00 



$51,547 50 $38,306 25 



1891.] AND FIRE-MARINE INSURANCE COS. 



91 



Summary of Assets Dec. 31, 1891. 

$485,1 37 44 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Due for extra premiums, .... 
Premiums more than 3 months due, $2,002 71 
Gross assets, 



38,306 25 

715 29 

29,466 44 

2,603 65 

64,130 86 

9,335 79 

464 82 



$630,160 54 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
Due and accrued for rents, salaries, etc , 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$6,244 69 

39,703 46 

1,587 00 

$47,535 15 
4,758 50 

$42,776 65 

203,653 68 

302 00 

1,992 00 

27,722 64 

1,659 11 



278,106 08 



$352,054 46 
300,000 00 



Surplus over capital, f52,054 46 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 



Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



,111 12 
J ,667 31 



$39,443 81 
344,448 06 



$383,891 87 
04,466 26 

$319,425 61 
63,125 08 



$256,300 53 



92 



MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Marine premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 
Less re-insurance and return premiums, . 
Net cash marine premiums received, 
Interest and dividends received from all sources 
Income from additional premiums, . 



Gross cash income, 



$14,988 29 
1,888 29 

$13,100 00 
11,606 55 

$24,706 55 
7,447 50 

$17,259 05 
1,355 61 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$176,782 81 

14,726 70 

$18,332 40 

485 66 



Risks and Premiums. 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 
Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



$31,159,097 00 
32,393,891 00 



$63,552,988 00 
25,568,718 00 



$37,984,270 00 
3,913,715 00 



$34,070,555 00 
929,615 00 
270,332 00 



$1,199,947 00 
391,667 00 



$808,280 00 
3,000 00 



$15,903 44 
24,177 64 
11,619 31 

$308,000 92 



$162,056 11 



17,846 74 
7,513 00 

58,820 23 

31,078 90 
6,639 69 

19,252 66 

$303,207 33 



Premiums. 

$357,124 45 
344,448 06 



$701,572 51 

276,280 51 

$425,292 00 

44,883 18 



$380,408 82 
22,130 97 
11,606 55 

$33,737 52 
16,039 65 



$17,697 87 
225 0.) 



$805,280 00 $17,472 -7 



1891.] AND FIRE-MARINE INSURANCE COS. 



93 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (2| per cent ), . 
Company's stock owned by directors, .... 



$10,459,488 00 

7,281,979 00 

176,488 00 

14,187 00 

2,743,500 00 

7,500 00 

11,100 00 



BOSTON MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874.] 

Paid-up Capital, $1,000,000. 

RANSOM B. FULLER, President. THOMAS H. LORD, Secretary. 

Office, No 17 Stale Street. 
Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Boston city bonds, $200,000 00 $207,993 75 

Bangor city bonds, 10,000 00 10,300 00 

Fall River city bonds, 1,000 00 1,030 00 

Newton city bonds, 25,000 00 26,000 00 

Atch., Topeka & Sante Fe Railroad bonds, . 125,000 00 95,187 50 

Boston & Albany Railroad bond*, . . . 20,000 00 20,000 00 

Chicago, Burl. & Quincy Railroad bonds, . 32,000 00 34,495 00 

Fitchburg Railroad bonds, .... 25,000 00 . 27,250 00 

Toledo, St. Louis & Kansas City R R bonds, . 20,000 00 18,500 00 

Union Pacific, Lincoln & Col. Railroad bonds, 25,000 00 19,000 00 

Louisville, Evansville & St. Louis RR. bonds, 2,000 00 2,145 00 

Oregon Short Line Railroad bonds, . . . 10,000 00 10,412 50 

Wisconsin Central Railroad bonds, . . . 20,000 00 18,400 00 

Brookline Gas Light Company bonds, . . 25,000 00 26,< 00 00 

Boston & Albany Railroad stock, . . . 10,< 00 00 19,950 00 

Boston & Lowell Railroad stock, . . . 10,000 00 17,600 00 

Chicago, Burl. & Quincy Railroad stock, . 50,000 00 54,562 50 

Fitchburg Railroad stock, .... 20,800 00 16,952 00 

Iron Railway Company stock, .... 29,700 00 14,850 00 

Ore. Short Line & Utah Northern R R. stock, . 5,000 00 1,575 00 

Toledo, St. Louis & Kansas City R.R. stock, . 53,000 00 10,600 CO 

Brookline Gas Light Company stock, . . 20,000 00 23,000 00 

Manchester Mills stock, 20,000 00 25,000 00 

Atlantic National Bank stock, .... 10,000 00 13,850 00 

Atlas National Bank stock, .... 10,000 00 12,212 50 

Beverly National Bank stock, .... 13,000 00 19,532 50 

Brookline National Bank stock, . . . 10,000 00 12,025 00 



94 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Columbian National Bank stock, . , 
Commercial National Bank stock, . . 
Continental National Bank stock, 
Eagle National Bank stock, 
Eliot National Bank stock, 
Exchange National Bank stock, 
First National Bank stock, 
First National Bank, Salem, stock, . 
Globe National Bank stock, 
Grand National Bank, Marblehead, stock, 
Hamilton National Bank stock, 
Hide and Leather National Bank stock, . 
Howard National Bank stock, . 
Lincoln National Bank stock, . 
Mercantile National Bank, Salem, stock, 
Merchants' National Bank stock, 
Merchants 1 National Bank, Salem, stock, 
Naumkeag National Bank, Salem, stock, 
New England National Bank stock, 
North National Bank stock, 
Old Boston National Bank stock, 
Railroad National Bank, Lowell, stock, . 
Republic National Bank stock, 
Revere National Bank stock, . 
Second National Bank stock, . 
State National Bank stock, 
Suffolk National Bank stock, . 
Tremont National Bank stock, 
Winthrop National Bank stock, 



Securities held as collateral for cash loans : — 



300 shares Toledo, St. L. & Kansas City R.R , 
60 " San Diego Land and Town Co., 

170 " Iron Railway Company, . 

800 " Cobb Lime Company, . 
50 " Commercial National Bank, . 

Toledo, St Louis & Kansas City R R. bonds, 
20 shares N. Y. & N. E. Railroad, . 

Burlington & Missouri Valley Railroad bonds 

Mexican Central Railroad bonds, 
67 shares Freeman's National Bank, 
10 " Tremont National Bank, . 
60 " American Fire Hose M'f "g Co., 



Par Value. 


Market Value. 


$12,000 00 


$12,840 00 


30,000 00 


28,800 00 


9,000 00 


11,812 50 


10,000 00 


10,300 00 


25,000 00 


30,750 00 


10,000 00 


13,700 00 


10,000 00 


24,025 00 


4,900 00 


6,32 L 00 


15,000 00 


15,000 00 


1,700 00 


2,040 00 


10,000 00 


12,000 00 


11,000 00 


13,640 00 


10,000 00 


11,050 00 


10,000 00 


10,975 00 


10,000 00 


10,575 00 


10,200 00 


15,274 50 


5,000 00 


6,600 00 


10,000 00 


13,825 00 


15,000 00 


24,000 00 


9,600 00 


13,368 00 


10,000 00 


11,800 00 


5,000 00 


6,475 00 


15,000 00 


24,412 50 


20,000 00 


21,050 00 


10,000 00 


19,012 50 


20,000 00 


24,250 00 


10,000 00 


10,725 00 


10,000 00 


10,362 50 


15,000 00 


17,250 00 


81,144,900 00 $1,190,656 75 


Market Value. Loaned Thereon. 


$6,000 00 \ 




1,170 00 i 


$13,000 00 


8,500 00 ) 




40,000 00 


25,000 00 


5,000 00 


4,50.) 00 


4,625 00 


4,000 00 


1,990 00 


1,800 00 


5,520 00 t 
3,587 50 S 


7,500 00 




6,700 00 ) 
1,003 63 S 


7,000 00 




2,400 00 


2,000 00 


$86,496 13 


S6 1,800 00 



1891.] AND FIRE-MARINE INSURANCE COS. 95 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $31,740 78 

Loans on mortgage of real estate (first liens*), 596,700 00 

Interest due or accrued thereon, . . . 4,173 79 

Stocks, bonds, etc., as per schedule, . . 1,190,656 75 

Loans on collateral security, as per schedule, 64,800 00 

Cash deposited in bank, ..... 242,228 93 

Interest due and accrued, 4,977 42 

Premiums in course of collection (gross), . 182,192 10 

Notes taken for marine and inland risks,. . 601,949 72 

Gross assets, 

Liabilities. 

Losses adjusted and reported, .... $219,182 00 

Unearned premiums on outstanding risks, . 492,681 61 

Gross liabilities, except capital, . . 

Surplus as regards policy-holders, 

Paid-up capital, 



$2,919,419 49 



711,863 61 

^2,207,555 88 
1,000,000 00 



Surplus over capital, $1,207,555 88 



Income. 

Marine premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, . 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, . . . 



Gross cash income, 



$726,225 65 
1,282,068 06 

<2,008,293 71 
784,141 82 

11,224,151 89 

163,999 48 



sources, 



$1,060,152 41 

24,348 89 

64,008 20 

864 50 

$1,149,374 00 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$784,653 80 
92,905 60 



$691,748 20 
100,000 00 
24,974 21 
53,243 09 
14,088 71 
70,633 24 

$954,687 45 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$1,477,000 00 
540,000 00 



96 



MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Risks and Premiums. 

Premiums. 

Marine risks outstanding Dec. 31, 1890, . . $11,402,494 00 $761,612 06 
Marine risks written during 1891, . . . 69,436,413 00 1,282,068 06 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



,838,907 00 $2,043,710 12 
68,247,499 00 1,211,461 03 



. $12,591,408 00 
904,633 00 



$832,249 09 
L 37,739 81 



$11,686,775 00 $794,509 28 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company- 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, 



$19,957,164 00 

13,465,161 00 

819,864 00 

1,330,000 00 

100,000 00 

129,200 00 



BO YLSTON- INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 26, 1872. Commenced business Jan. 8, 1873.] 

Paid-up Capital, $557,200. 

GEO. H. BALCH, President. WASHINGTON GLOVER, Secretary. 

Office, No. 30 Kilby Street. 



Detailed Statement of Stocks 



200 " State National Bank, 
300 " Republic National Bank, 
300 " Columbian National Bank, . 
300 " Washington National Bank, . 
200 " Tremont National Bank, 

67 " Revere National Bank, . 

17 " New England National Bank, 
100 " Boston & Albany R.R , . 
150 u Boston & Providence R.R , . 
350 " FitchburgR.R., 
Oregon Railway & Navigation Co bonds, 
Kansas City, Memphis & B. R.R. bonds, . 
Kansas City, Memphis & B. R R. ext. notes, 
Atch , Topeka & Santa Fe R. R. bouds, . 
Duluth. South Shore & Atlantic R.R. bonds, 



and Bonds. 

Par Value. 

825,000 00 
20,000 00 
30,000 00 
30,000 00 
30,000 00 
20,000 00 
6,700 00 
1,700 00 
10,000 00 
15,000 00 
35,000 00 
10,000 00 
25,000 00 
3,125 00 
35,000 00 
25,000 00 



Market Value. 

§37,500 00 
24,200 00 
48,900 00 
32,100 00 
34,500 00 
20,600 00 

7,102 00 

2,720 00 
20,000 00 
37,200 00 
29,050. 00 

8,500 00 
17,000 00 

2,343 75 
27,525 00 
23,875 .00 



1891.] AND FIRE-MARINE INSURANCE COS. 97 



Chic. Burl. & Quincy Railroad bonds, 
Old Colony Railroad bonds, 
Cedar Rapids & Missouri River R R. bonds, 
New England Mortgage Security Co. bonds, 
Metropolitan Telephone & Tel. Co. bonds, 
Utah & Northern Railroad bonds, . 
Atch , Topeka & Santa Fe Railroad scrip, 

Cairo City bonds, 

Simpson Patent Dry Dock Company bonds, 



Par Value. 

$30,000 00 

25,000 00 

21,500 00 

10,000 00 

8,000 00 

8,000 00 

156 00 

900 00 

5,000 00 



Market Value. 

$27,000 00 

26,250 00 

25,852 50 

9,500 00 

8,240 00 

6,400 00 

124 00 

900 00 

5,000 00 



$430,081 00 $ 482,382 25 



Securities held as collateral for cash loans : — 

100 shares New England Telephone Co , 
75 " Met. St. Railway, Kansas City, 
4 " Middlesex Bleachery, 

Kan. City, Memphis & Birm. R.R. bonds, 
12 shares Lowell Bleachery, . 

132 " West End Railway, 
21 " Boston and Maine Railroad, 

United Electric Security Co. bonds, . 

50 shares Boston & Albany Railroad, 

Mexican Central Railroad bonds, 

Herdic Company bonds, . 

500 shares Thomson-Houston Company, 

Chicago & Northern Pacific Railroad bonds, 

St Paul City Railway bonds, . 



Market V 
$5,000 

6,000 

520 

680 

1,440 

9,600 

3,400 

13,500 

10,000 

2,800 

25,500 
20,000 
18,000 



alue. Loaned Thereon. 

00^1 

oo ! 

00 } $10,000 oo 

oo j 

1,100 00 



00 
00 
00 
00 
00 
00 



10,00 J 00 
10,000 00 
10,000 00 

1,000 00 
50,000 00 



$116,440 00 $92,100 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), $205,800 00 

2,556 75 

482,382 25 

92,100 00 

2,172 53 

75,854 82 

2,934 00 

38,942 27 

13,066 65 



Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

Cash deposited in bank 

Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



$915,809 27 



* Value of lands mortgaged $296,800 00 

Value of buildings thereon 208,000 00 

Amount of insurance held as collateral, 221,600 00 



98 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Liabilities. 



Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Interest due or accrued on scrip, 
Taxes and commissions, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 

Paid-up capital, 

Scrip outstanding, not ordered to be redeemed, 



$41,398 23 

220,223 34 

1,469 75 

11,104 61 



$39,205 00 



$274,195 93 

$641,013 34 
557,200 00 



Surplus over capital, $84,413 34 



Income. 

Fire premiums outstanding Dec. 31, 1890, . $42,059 61 
Same not collected, 14 42 

Net collected, $42,045 19 

Premiums on risks written or renewed, . . 333,035 82 

Total, $375,081 01 

Premiums now in course of collection, . . 38,941 .27 

Entire premiums collected, .... $336,139 74 

Less re-insurance and return premiums, . . 61,245 95 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from profit and loss account, 

Gross cash income, .... 



Expenditures. 

Cash paid for lire losses, .... 

Cash paid for marine and inland losses, . 

Cash dividends paid, .... 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 



$14,712 12 
42,240 95 

$56,953 07 
13,066 65 

$43,886 42 
5,702 29 



sources, . 



$274,893 79 



38,184 13 

8,965 87 

27,263 68 

12 50 

?349,319 97 



$170,724 77 
31,091 84 
16,716 00 
73 75 
65,209 74 
23,200 00 
4,816 70 
30,537 18 

8342,369 98 



1891.] AND FIRE-MARINE INSURANCE COS. 



99 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

. $38,534,822 00 $437,522 46 
. 30,682,193 00 333,035 82 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 
Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, .... 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



,217,015 00 $770,558 28 
28,288,489 00 308,989 97 



.$40,928,526 00 f461,568 31 
. 3,173,891 00 39,494 49 



. $37,754,635 00 

291,985 00 

. 6,266,814 00 



$422,073 82 
16,386 55 
42,240 95 



^6,558,799 00 
6,276,066 00 



$282,733 00 
48,045 00 



$58,627 50 
41,464 11 

$17,163 39 
2,644 04 



$234,688 00 $14,519 35 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$6,580,153 00 

3,944,714 00 

188,987 00 

30,942 00 

865,092 00 

16,716 00 

26,500 00 



DWELLING HOUSE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 30, 1872. Commenced business Jan. 9, 1873.] 

Paid-up Capital, $300,000. 

CHARLES K. NICHOLS, President. HENRY F. PERKINS, Secretary. 

Office, No. 40 Water Street. 



Detailed Statement of Stocks 

100 shares Second National Bank, Boston, 

100 ' 

100 

100 

100 

100 

100 

69 

50 

50 

50 



Merchants' National Bank, Boston, 
Republic National Bank, Boston, 
State National Bank, Boston, 
Suffolk National Bank, Boston, 
Atlas National Bank, Boston, 
Howard National Bank, Boston, 
Hide and Leather Nat'l Bank, Boston, 
New England National Bank, Boston, 
City National Bank, Boston, . 
Redemption National Bank, Boston, 



and Bonds. 

Par Value. 

$10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

6,900 00 

5,000 00 

5,000 00 

5,000 00 



Market Value. 

$19,200 00 

15,100 00 

16,350 00 

12,300 00 

10,850 00 

12,300 00 

11,000 00 

8,750 09 

8,15<> 00 

4,900 00 

6,550 00 



100 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



44 shares Union National Bank, Boston, 
30 " Eagle National Bank, Boston, 
7 " Tremont National Bank, Boston, 
50 " Vermont & Massachusetts R R , 

Eastern R.R bonds, 

Boston & Providence R.R. bonds, 

Old Colony R.R. bonds, .... 



Par Value. 

$4,400 00 

3,000 00 

700 00 

10,000 00 
5,000 00 

10,000 00 

2(),ii<j0 00 



Market Value. 
16,128 00 

3,190 00 

718 00 

13,800 00 

6,200 00 
11,000 00 
21,500 00 



8145,000 00 $187,986 00 



Summary of Assets Dec. 31, 1891. 
Loans on mortgage of real estate (first liens*), 8163,450 00 

Interest accrued thereon, 2,558 90 

Stocks and bonds, as per schedule, . . . 187,986 00 

Cash in the office of the compan}', . . . 26,552 61 

Cash deposited in bank, 26,000 87 

Interest due and accrued, .... 3,427 45 

Premiums in course of collection (gross), . 55,713 24 

Notes taken for fire risks, .... 45,879 79 

Gross assets, 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 

Income. 
Fire premiums outstanding Dec 31, 1890, 
Premiums on risks written or renewed, . 



81,260 00 

1,130 00 

5,420 00 

17o,065 40 

353 64 

3,267 50 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from commissions, 



Gross cash income, 



$119,647 25 
167,330 86 

8286,978 11 
101,593 03 

8185,385 08 
30,708 49 



sources, 



8511,568 86 



181,496 54 

8330,072 32 
300,000 00 

830,072 32 



8154,676 59 

8,501 98 

9,779 89 

176 07 

8173,134 53 



* Value of lands mortgaged, . 
Value of buildings thereon, . . . 
Amount of insurance held as collateral, 



$183,000 
205,200 
181,300 



1891.] AND FIRE-MARINE INSURANCE COS. 101 



Expenditure?. 
Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for incidentals, . . 

Gross cash expenditures, .... 



$89,379 13 
18,000 00 
39,495 80 
17,347 05 
6,579 54 
16,508 36 



$187,309 88 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, . 
Fire risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 
Perpetual risks in force (included above), 



. $41,568,872 00 
. 15,633,155 00 



.$57,202,027 00 
. 22,139,352 00 

. $35,062,675 00 
65,600 00 

. $34,997,075 00 
$18,300 00 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, . 



Premiums. 

$410,236 54 
167,330 86 

$577,567 40 
237,004 26 

$340,563 14 
432 34 



$340,130 80 
$372 00 



$2,113,486 00 

711,208 00 

84,447 00 

342,000 00 

18,000 00 

31,600 00 



EQUITABLE MARINE FIRE INSURANCE COMPANY, 
PROVINCETOWN. 

[Incorporated 1845. Commenced business 1846.] 

Paid-up Capital, $50,000. 

LYSANDER N. PAINE, President. LEWIS NICKERSON, Secretary. 



Detailed Statement of Stocks 



80 shares Freeman's National Bank, Boston, 

65 

15 

15 

45 

16 

24: 

20 



First National Bank, Provincetown, 
Revere National Bank, Boston, 
State National Bank, Boston, . 
National Bank of Republic, Boston, 
Hide and Leather Nat'l Bank, Boston, 
Boston & Albany Railroad, 
Union Pacific Railroad, 



Brookline town bonds, 



and Bonds. 

Par Value. 

$8,000 00 
6,500 00 
1,500 00 
1,500 00 
4,500 00 
1,600 00 
2,400 00 
2,000 00 
3,000 00 



Market Value. 

|8,000 00 
9,750 00 
1,578 75 
1,818 75 
7,323 75 
1,984 00 
4,800 00 
970 00 
3,240 00 



102 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Melrose town bonds, 

Arlington town bonds, 

Bangor city bonds, . 

Cincinnati city bonds, 

Kansas City bonds, . 

Portsmouth, N. II., city bonds, 

Old Colony Railroad bonds, 

New York & New England Railroad bonds, 

Chicago & North Western Railroad bonds, 

Fitchburg Railroad bonds, 

Boston, Revere Beach & Lynn Railroad bonds, 

Atchison, Topeka & Santa Fe Railroad bonds, 

New England Mortgage Security Co. bonds, . 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
(ash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due for borrowed money, 

State taxes, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Par Value. 

$3,000 00 
2,000 ' 

2,000 00 
3,000 00 
2,000 00 
5,000 00 
5,000 00 
2,000 00 
2,000 00 
5,000 00 
4,000 00 
2,500 00 
1,000 00 



Market Value. 

$3,000 00 

2,400 00 
4,020 00 

5,087 50 
5,300 00 
2,42 

2,090 00 
5,250 00 

1,907 50 
00 



$69,500 00 $81,25-" 

31, 1891. 

181,255 25 

375 19 

7.09 71 

7.457 88 

36,927 77 

$133,825 80 



Surplus over capital, 



$500 00 

9,380 00 

36,927 77 

2,500 00 

225 00 



Income. 
Cash marine premiums received, 
Interest and dividends received from all sources, 

Gross cash income, . 



49,532 77 

|84,293 03 

50,000 00 

£34,293 03 



$40,580 16 
4,131 42 

$44,711 58 



Expenditures. 

Cash paid for marine and inland losses, . 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, 

Gross cash expenditures, .... 



$31,441 47 

2 74 

1,450 00 

600 58 

389 16 

436,643 95 



1891.] AND FIRE-MARINE INSURANCE COS. 103 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$443,328 00 $30,695 44 
706,209 00 38,660 59 



$1,149,537 00 $69,356 03 
682,819 00 32,428 26 



$466,718 00 $36,927 77 
21,200 00 1,304 50 



$445,518 00 $35,623 27 



Miscellaneous. 

Premiums received from organization of company, . . $367,325 00 

Losses paid from organization of company, .... 240,178 00 

Marine and inland losses incurred during the year, . . 37,671 00 

Cash dividends declared from organization of company, . 43,000 00 

Company's stock owned by directors, 8,500 00 



FIREMEN'S FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 30, 1872.] 

Paid-up Capital, $400,000. 

THOMAS W. TUCKER, President. HENRY C. SHORT, Secretary. 

Office, No. 43 Kilby Street. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Boston city bonds, $70,000 00 $71,900 00 

Charlestown city bonds, 15,000 00 15,165 00 

Chelsea city bonds, 4,000 00 4,020 00 

Fall River city bonds, 30,000 00 34,050 00 

Lawrence city bonds, . . ' . . . 5,000 00 5,200 00 

Eastern Railroad bonds, 22,500 00 27,140 62 

Worcester & Nashua Railroad bonds, . . 10,000 00 10,100 00 

Fitchburg Railroad bonds, .... 20,000 00 21,500 00 

Boston & Providence Railroad bonds, . . 25,000 00 25,500 00 

Old Colony Railroad bonds, .... 20,000 00 20,700 00 

Burlington & Missouri River Railroad bonds, 25,000 00 21,750 00 

Kansas City, St. Joseph & C. Bluffs R.R. bonds, 20,000 00 24.200 00 

Boston & Lowell Railroad bonds, . . . 1,000 00 1,045 00 

Chicago, Burlington & Northern R.R. bonds, . 25,000 00 25,750 00 

Cedar Rapids, Iowa Falls & No. W. R R. bonds, 25,000 00 22,500 00 

St Paul & North Pacific Railroad bonds, . 30,000 00 35,700 00 



104 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 





• 


Par Value. 


Market Value. 


Atchison 


, Topeka & Santa Fe Railroad bonds, $29,500 00 


$22,800 25 


Jackson, 


Lansing & Saginaw R.R. bonds, 


10,000 00 


10,400 00 


Old Colony Steamboat Company bonds, . 


15,000 00 


15,075 00 


200 shares City National Bank, 


20,000 00 


19,000 00 


200 " 


Hamilton National Bank, 


20,000 00 


23,600 


200 " 


Eagle National Bank, 


20,000 00 


20,600 00 


54 " 


Webster National Bank, 


5,400 00 


5,454 00 


100 " 


Revere National Bank, . 


K>,000 00 


10,600 00 


83 " 


Atlas National Bank, 


8,300 00 


10,126 00 


50 " 


Boston National Bank, . 


5,000 00 


5,500 00 


284 M 


Atlantic Cotton Mills, 


28,400 00 


22,720 00 


Loan to Arlington Mills, .... 


25,000 00 


25,000 00 



$544,100 00 $557,191 87 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), $246,800 00 

Interest accrued thereon, 2,466 32 

Stocks and bonds, as per schedule, . . . 557,191 87 

Cash in the office of the company, . . . 349 53 

Cash deposited in bank, 14,732 28 

Interest due and accrued 5,537 92 

Premiums in course of collection (gross), . 14,654 34 
Premiums more than 3 months due, $222 55 

Gross assets, $841,732 26 



Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks. 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and re-insurance, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$9,025 71 

10,808 75 

104,699 81 

175 00 

1,150 00 

1,300 00 

2,927 05 

250 00 



Surplus over capital, . 



130,336 32 

$711,395 94 
400,000 00 

$311,395 94 



* Value of lands mortgaged, ....... $226,800 

Value of buildings thereon, 232,900 

Amount of insurance held as collateral 204,600 



1891.] AND FIRE-MARINE INSURANCE COS. 105 



Income. 

Fire premiums outstanding Dec. 31, 1890, . $11,322 70 
Premiums on risks written or renewed, . . 121,897 13 



Total, $133,219 83 

Premiums now in course of collection, . . 14,876 89 

Entire premiums collected, .... $ 118,342 94 
Less re-insurance and return premiums, . . 15,129 33 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$103,213 61 
12,086 44 
26,403 52 



Gross cash income, $141,703 57 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$63,829 05 
435 34 



$63,393 71 

40,155 00 

17,022 82 

15,212 50 

4,902 34 

8,449 99 

$149,136 36 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$20,132,511 00 $212,625 22 
14,775,361 00 121,897 13 



$34,907,872 00 $334,522 35 
14,467,428 00 121,469 35 



$20,440,444 00 $213,053 00 
563,552 00 5,708 98 



.$19,876,892 00 $207,344 02 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent ), 
Company's stock owned by directors, 



^2,449,583 00 

1,250,172 00 

75,670 00 

545,000 00 

40,000 00 

23,400 00 



106 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



FIRST NATIONAL FIRE INSURANCE COMPANY, 
WORCESTER. 

[Incorporated April, 1868. Commenced business January, 1869.] 

Paid-up Capital, $200,000. 

CHARLES B. PRATT, President. GEORGE A. PARK, Secretary. 



Detailed Statement of Stocks 



30 shares Worcester National Bank, 



50 
120 

27 

15 

31 

25 

20 

24 
Boston 



Worcester Safe Deposit & Trust Co , 
First National Bank, 
Eliot National Bank, 
North National Bank, 
Boylston National Bank, 
Merchants' National Bank, 
Revere National Bank, . 
National Bank of Commerce, 
Barre & Gardner Railroad bonds, 



Nashua & Rochester Railroad bonds, 



and Bom.-. 

Par Value. 

$3,000 00 
5,000 00 

12,000 00 
2,700 00 
1,600 00 
3,100 00 
2,500 00 
2,000 00 
2,400 00 

20,500 00 
6,000 00 



Market Value. 
£4,500 °° 

7,125 00 

22,800 00 

3,321 00 

3,937 00 
3,750 00 
2,120 00 

3,048 00 

21,061 50 

6,060 00 



Securities held as collateral for cash loans : - 

53 shares Lombard Investment Company, 
8 " Millbury National Bank, . 
30 " Washburn & Moen MTg Company, 



Excess of loan, 



$60,700 00 $79,807 50 

Tar Value. Loaned Thereon. 

$5,300 00 $5,000 00 

800 00 500 00 

3,000 00 4,000 00 



$9,100 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in First National Bank, . 

Interest due and accrued, 

Premiums in course of collection (gross), 

Re-insurance due, 

Bills receivable, 

Gross assets, 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$9,500 00 
1,000 00 

$8,500 00 



$530 00 




152,381 90 




2,700 73 




79,807 50 




8,500 00 




51 18 




26,771 58 




556 75 




•21,238 10 




1,242 50 




2,000 00 






8295,780 24 




$289,900 00 


91,350 00 



1891.] AND FIRE-MARINE INSURANCE COS. 107 



Liabilities. 
Losses adjusted, unpaid, .... 

Losses claimed and reported, . 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 

Income. 
Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



,144 15 
6,195 00 

$17,339 15 
1,801 96 

$15,537 19 

72,490 98 

4,247 62 



$92,275 79 

$203,504 45 
200,000 00 

$3,504 45 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, .... 
Less re-insurance and return premiums, . 
Net cash fire premiums received, 
Interest and dividends received from all sources, 
Income from commissions, etc , 



$19,494 26 
132,757 52 

$152,251 78 
21,238 10 

$131,013 68 
16,315 58 



$114,698 10 

13,248 95 

2,801 90 



Gross Cash income, $130,748 95 



Expenditures. 
Cash paid for lire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$70,647 95 
3,411 88 



$67,236 07 

16,000 00 

25,466 92 

6,712 50 

1,231 98 

6,060 60 

$122,708 07 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . . $8,854,999 00 $122,781 50 



Fire risks written during 1891, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. 10,353,347 00 132,757 52 



$19,208,346 00 $255,539 02 
7,939,964 00 107,401 88 



.$11,268,382 00 $148,137 14 
416,113 00 5,896 76 



$10,852,269 00 $142,240 38 



108 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
'Dividends declared during the year (8 percent.), . 
Company's stock owned by directors, .... 



$2,549,056 00 

1,640,144 00 
78.:: 
184,00 

16,000 00 

75,500 00 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 11, 1823. Commenced business May, 1823.] 

Paid-up Capital, $400,000. 
GEO. R. ROGERS, President. JAMES SIMPSON, Secretary. 

Office, No. 58 State Street. 



Detailed Statement of Stocks 



200 " City National Bank, 
200 " Columbian National Bank, . 
214 " Eagle National Bank, 
300 " Globe National Bank, 
120 " Hamilton National Bank, 
160 " New England National Bank, 
200 " North National Bank, . 
18 " Railroad National Bank, . 
178 " State National Bank, 
535 " Suffolk National Bank, . 
200 " Tremont National Bank, 
200 " Union National Bank, . 
200 " Boston & Providence Railroad, 
100 " Chicago, Burlington & Quincy R R 
100 " Lyman Mills, . 
Housatonic Railroad bonds, 
New Bedford Railroad bonds, . 
Boston city bonds, 
Boston & Lowell Railroad bonds, 
Fitchburg Railroad bonds, 
Union Pacific, Lincoln & Colorado R R. bonds, 
Kansas City, Fort Scott & Memphis R.R. bonds, 
Oregon Railway & Navigation Co. bonds, 
Chicago, Burlington & Quincy R R. bonds, 



and Bonds. 

Par Value. 

$10,000 00 
20,000 00 
20,000 00 
21,400 00 
30,000 00 
12,000 00 
16,000 00 
20,000 00 
1,800 00 
17,800 00 
53,500 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
10,000 00 
25,000 00 
30,000 00 
15,000 00 
10,000 00 
25,000 00 
25,000 00 
5,000 00 
5,000 00 
1,000 00 



Market Value. 

18,950 00 
21,400 00 
22,042 00 
30,000 00 
14,4u0 00 
25,600 00 
27,850 00 
2,317 00 
21,582 00 
57,378 00 
20,8' 

27,400 00 

49,600 00 

10,912 00 

6,525- 00 

25,500 00 

31,800 00 

15,600 00 

10,850 00 

26,280 00 

20,000 00 

5,350 00 

4,700 00 

1,120 00 



$443,500 00 $511,806 00 



1891.] AND FIRE-MAKINE INSURANCE COS. 109 



Summary of Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, . 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 

Liabilities 
Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc , . 
Commissions and brokerage, . 

Return premiums, 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



$79,500 00 

444 58 

511,806 00 

2,834 55 

17,004 17 

2,841 65 

21,307 58 

3,099 21 



$21,124 00 
1,963 00 

$23,087 00 
5,017 00 

$18,070 00 

110,321 23 

411 00 

850 00 

3,293 18 

1,859 52 

1,351 77 



$638,837 74 



136,156 70 

$502,681 04 
400,000 00 



Surplus over capital, . 



$102,681 04 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$15,693 84 
472 55 

$15,221 29 
198,673 41 



$213,894 70 
21,307 58 



$192,587 12 
36,593 39 



$155,993 73 



* Value of land mortgaged, . . . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$68,200 00 
66,300 00 
81,000 00 



110 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Marine premiums outstanding Dec. 31, 1890, 
Same not collected, 



Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash marine premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from salvage, 



Gross cash income, 



other 



$7,927 87 
9 26 



$7,918 61 
16,505 02 



$24,423 63 
3,099 21 



$21,324 42 
6,796 00 



sources, 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for rent and incidentals, . 

Gross cash expenditures, .... 



$14,528 42 

2,283 33 

26,900 90 

9,262 47 

$208,968 85 



$93,126 16 
6,852 63 

27.777 

39,484 82 

10,200 00 
4,277 "9 

15,702 06 



§197,419 76 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force of end of year, . 
Deduct amount re-insured, 

Net amount in force, . 
Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 



Total, 

Deduct risks expired and terminated, 



$17,127,351 00 
19,188,366 00 



$36,315,717 00 
13,671,048 00 



£22,644,669 00 
1,410,096 00 



£21,234,573 00 

532,695 00 

1,240,250 00 



Premiums. 

$190,568 08 
198,673 41 

$389,241 49 
156,304 09 

$232,937 40 
16,719 35 

$216,218 05 

4,692 62 

16,505 OS 



$1,772,945 00 
1,770,675 00 



$21,197 64 
21,069 64 



In force at end of year, . 



$2,270 00 



8 00 



1891.] AND FIRE-MARINE INSURANCE COS. Ill 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), . 
Company's stock owned by directors, .... 



$7,225,455 00 

5,213,094 00 

103,155 00 

2,120 00 

2,118,500 00 

28,000 00 

34,800 00 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated December, 1872. Commenced business January, 1873.] 

Paid-up Capital, $200,000. 

SILAS PEIRCE, President. CHARLES E. MACULLAR, Secretary. 

Office, No. 59 Kilby Street. 



Detailed Statement of Stocks 



United States bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago, Burlington and Quincy R R. bonds, 
Northern Pacific Railroad bonds, 
Union Pacific Railroad bonds, . 
Oregon Railway and Nav Co bonds, 
Kan. City, Memp & Birmingham R.R. bonds 
Consolidated R.R. of Vermont bonds, 
Old Colony Steamboat Co. bonds, . 
Ogdensburg & Lake Champlain R R bonds, 
138 shares Boston National Bank, . . . 

50 ' 
100 

17 ' 

95 ' 

29 
150 
143 

50 
100 
100 



City National Bank, 
Eliot National Bank, 
Exchange National Bank, 
Globe National Bank, 
Hide and Leather National Bank, 
Merchants' National Bank, 
Old Boston National Bank, 
Shoe and Leather National Bank, 
State National Bank, 
Suffolk National Bank, . 



Securities held as collateral for cash loans : 

Griffiths 1 Steam Laundry Company stock, 

Eastern Railroad bond, . 

Vermont & Massachusetts Railroad bond, 



and Bonds. 

Par Value. 

$15,000 00 
5,000 00 
9,000 00 
5,000 00 
6,000 00 

12,000 00 
5,625 00 
5,000 00 

10,000 00 
4,000 00 

13,800 00 
5,000 00 

10,000 00 
1,700 00 
9,500 0J 
2,900 00 

15,000 00 

14,300 00 
5,000 00 

10,000 00 

10,000 00 



Market Value. 

$17,512 50 
6,300 00 
8,705 00 
5,750 00 
5,040 00 

13,260 00 
4,025 00 
4,600 00 

10,300 00 
4,140 00 

15,*214 50 
4,750 00 

12,400 00 
2,354 50 
9,511 87 
3,654 00 

22,518 75 

16,909 75 
4,812 50 

12,175 00 

10,750 00 



$173,825 00 $194,683 37 



Market Value. Loaned Thereon. 



$1,500 00 


$1,000 00 


1,206 00 


800 00 


1,060 00 


500 00 



53,766 00 $2,300 00 



112 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in Boston National Bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 months due, $356 54 
Gross assets, .... 



31, 1891. 

$44,200 72 

65,260 00 

1,209 02 

194,683 37 

2,300 00 

8,100 46 

14,571 71 

1,715 29 

27,582 62 

193 35 



$359,816 54 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc , 
Due for borrowed money, 
Commissions and brokerage, . 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, 



Income 

Fire premiums outstanding Dec. 31, 1890 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



$2,922 25 
14,304 37 

$17,286 62 
547 50 

$16,739 12 

115,146 39 

462 50 

20,000 00 

3,585 74 

565 25 



$22,049 16 
51 82 



$21,997 34 
198,768 29 

$220,765 63 
27,939 16 

f 192,826 47 
54,890 00 



156,499 00 

$203,317 54 

200,000 00 

$3,317 54 



$137,936 47 



* Value of lands mortgaged, . . 
Value of buildings thereon, . . 
Amount of insurance held as collateral, 



$38,150 00 
91,900 00 
75,300 00 



113 


$3,767 


68 


9,033 


65 


1,817 


34 


151 38 


787 


35 



1891.] AND FIRE-MARIXE INSURANCE COS. 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 

Profit on securities sold, 

Bank tax returned, 

Gross cash income, $153,496 87 

Expenditures. 

Cash paid for fire losses, $129,892 93 

Deduct salvage and re-insurance, . . . 12,545 47 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . . . . 

Gross cash expenditures, 

Risks and Premiums. 



$ 117,347 46 

27,137 69 

13,03 L 68 

4,918 41 

10,632 96 

$173,068 20 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

. $26,167,802 00 $ 270,804 58 
. 20,738,836 00 198,768 29 



. $ 46,906,638 00 $169,572 87 
. 20,199,771 00 196,719 12 



. $26,706,867 00 $272,853 75 
. 4,180,141 00 42,560 96 



.$22,526,726 00 $230,292 79 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company's stock owned by directors, .... 



$1,985,305 00 

936,336 00 

135,328 00 

290,000 00 

13,700 00 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

[Incorporated 1849. Commenced business 1851.] 

Paid up Capital, $1,500,000. 
A. J. WRIGHT, President. 3. J. HALL, Secretary. 

Detailed Statement of Stocks and Bonds. 

1'ar Value. Market Value. 

United States bonds $100,000 00 $115,000 00 

Wakefield (Mass.) Water Company bonds, . 50,000 00 60,000 00 

Ann Arbor (Mich ) Water Company bonds, . 50,000 00 60,000 00 

Amherst (Mass.) Water Company bonds, . 16,000 00 16,000 00 



114 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 



Berkshire Water Company bonds, . 
West Springfield Aqueduct Company bonds, 
Kansas City, St Jo. & C. Bluffs R.R. bonds, 
Union Pacific Railroad bonds, . 
Chicago & Northwestern Railroad bonds, 
N. Y. & Harlem Railroad bonds, 
Chicago, Mil. ft St. Paul Railroad bonds, 
St. Paul, Minn. & Manitoba Railroad bonds, 
Chicago, Burl. & Quincy Railroad bonds, 
Detroit, Lansing & Northern Railroad bonds, 
Chicago, Burl. ft Northern Railroad bonds, 
Chicago, Burl. & Quincy Railroad bonds, 
1,700 shares Boston & Albany Railroad, . 
500 M Connecticut River Railroad, 
1,200 " N Y., New Ilav. & Hart Railroad 

500 " Old Colony Railroad, . 
1,000 " New York ft Harlem Railroad, 
800 " Chicago, Burl & Quincy Railroad 
650 " Chic, Mil. & St. Paul Railroad, 
600 " Pennsylvania Railroad, 
500 " Conn, ft Pass Rivers Railroad, 
500 " Chicago ft Alton Railroad, . 
550 " Chic , Rock Island ft Pac R.R , 
563 " Illinois Central Railroad, 
240 " Rome, Watert'n ft Ogden. R R., 
1,000 " West End Street Railway, . 
203 " Agawani Nat'l Bank, Springfield, 
2u0 " John Hancock N. B'k, Springfield, 
104 " Chicopee Nat'l Bank, Springfield, 
127 4k Pynchon Nat'l Bank, Springfield, 
200 " Second Nat'l Bank, Springfield, 
200 " Third Nat'l Bank, Springfield, 
100 " City Nat'l Bank, Springfield, 
100 " Chapin Nat'l Bank, Springfield, 
200 " First Nat'l Bank, Springfield, 
75 " Ware Nat'l Bank, Ware, 
100 " First Nat'l Bank, Northampton, 
100 " North't'u Nat'l B'k, Northampton 
10 " Monson Nat'l Bank, Monson, 
65 " First Nat'l Bank, Chicopee, . 
250 " City Nat'l Bank, Holyoke, . 
20 " Adams Nat'l Bank, No. Adams, 
67 " Franklin Co. Nat'l B'k, Greenfield 
37 " Palmer Nat'l Bank, Palmer, 
50 " First Nat'l Bank, Lynn, 
100 " Tremont Nat'l Bank, Boston, 
100 " Boston Nat'l Bank, Boston, . 
100 " New England Nat'l Bank, Boston, 



Par Value. 

$15,000 oo 
25,000 00 

100,000 00 
47,000 00 
50,000 00 
10,000 00 
10,000 00 
60,0 

10,000 IK.) 

2,000 no 

11,000 00 

11,000 <"< 

170,000 00 
50,000 00 
120,000 10 
50,001) no 
50,000 00 
80,000 00 
65,000 
30,000 00 
60,000 00 
50,000 00 
,000 00 
56,300 00 
2-1,000 00 
50,000 00 
20,300 00 
20,000 00 
10,400 00 
12,700 00 
20,000 00 
2n,000 00 
10,000 00 
10,000 00 
20,000 00 

7,500 00 
10,000 00 
10,000 00 

1,000 00 

6,500 00 
25,000 00- 

2,000 00 
' 6,700 00 

3,700 00 

5,000 00 
10,000 00 
10,000 00 

10,000 00 



Market Value. 

$15,0' JO 00 

25,0 00 

120,000 o.j 

• 
60,000 
12,000 00 
13,000 
60,000 00 
200 00 
2,160 00 
11,220 
12,100 00 
340,000 
111,1 
271,200 

00 
130,1 
88,< 

00 
33,600 00 
61,000 00 
00 
49*500 00 
60^04 00 
,880 00 
.000 00 
20,300 00 
26,000 00 
18,200 00 
19,050 
30,000 00 
40.000 00 
15,000 
15,000 
26,000 00 
Jo 00 
14,000 00 
17,ooi.) 00 
1,500 00 
9,100 00 
27,500 00 
2,800 00 
00 
4,440 00 
6,750 00 
10,300 00 
11,000 00 
16,000 00 



1891.] AND FIRE-MARINE INSURANCE COS. 115 



100: 


shares 


60 


It 


100 


H 


100 


II 


300 


M 


150 


If 


150 


U 


100 


If 


100 


ft 


100 


ff 


100 


u 


100 


(1 


100 


ff 


100 


ft 


100 


l( 


100 


ft 


200 


ff 


200 


1. 


100 


(1 



Commonwealth Nat'l B'k, Boston, 
Winthrop Nat'l Bank, Boston, 
Merchants 1 Nat'l Bank, Boston, 
Atlas Nat'l Bank, Boston, 
Howard Nat'l Bank, Boston, 
Webster Nat'l Bank, Boston, 
Boylston Nat'l Bank, Boston, 
Eliot Nat'l Bank, Bostou, . 
Nat'l Bank of Commerce, Boston 
Shawmut Nat'l Bank, Boston, 
Freeman's Nat'l Bank, Boston, 
Washington Nat'l Bank, Boston, 
Old Boston Nat'l Bank, Boston, 
Nat'l Exchange Bank, Boston, 
Nat'l Bank of Commerce, N. Y., 
Bank of North America, N. Y., 
Fourth Nat'l Bank, N. Y., . 
Continental Nat'l Bank, N. Y , 
St. Paul Nat'l B'k, St. Paul, Minn., 



Par Value. 

$10,000 00 
6,000 00 
10,000 00 
10,000 00 
30,000 00 
15,000 00 
15,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
7,000 00 
20,000 00 
20,000 00 
10,000 00 



Market Value. 

$18,500 00 
6,900 00 

15,000 00 
12,200 00 
33,000 00 
15,000 00 
19,050 00 
12,300 00 
12,700 00 
12,500 00 
10,000 00 
11,500 00 
11,800 00 
13,700 00 
18,500 00 
11,200 00 
35,000 00 
26,000 00 
12,000 00 



Securities held as collateral for cash loans 

100 shares Nonotuck Paper Co, Holyoke, 
1 " Parsons Paper Company, 
15 " Park National Bank, N. Y., . 
15 " West Springfield Aqueduct Co., 

100 " West Springfield Aqueduct Co., 
30 " West Springfield Aqueduct Co., 
72 " Thompsonville (Ct.) Water Co., 
30 " Vermont Yalle} T Railroad, 
45 " Third National Bank, Springfield, 
17 " Springfield Street Railroad, . 
6 " Shawmut National Bank, Boston, 
10 " Citizens' Nat'l Bank, New Bedford 

Union Pacific Railroad bonds, . 

Old Colony Railroad bonds, 



$1,941,100 00 $2,778,699 00 



Market Value. Loaned Thereon. 



$20,000 00 ) 
10,000 00 5 
4,500 00 
1,875 00 
12,500 00 
3,750 00 j 
2,160 00 < 
1,800 00 
9,000 00 I 
3,400 00 i 
750 00 "1 
1,250 00 
2,100 00 
3,180 00 j 



$25,000 00 

1,500 00 

1,500 00 

10,000 00 

5,000 00 

1,500 00 
9,000 00 



}> * 6,500 00 



$76,265 00 $60,000 00 



Summary of Assets Dec. 31, 1891. 
Cash value of unencumbered real estate, . $109,000 00 
Loans on mortgage of real estate (first liens*), 330,000 00 
Interest accrued thereon, 7,686 67 



* Value of lands mortgaged $218,600 00 

Value of buildings thereon, 373,400 00 

Amount of insurance held as collateral, . . . . 277,700 00 



116 MASS. JOIXT-STOCK FIRE, MARINE, [Dec. 31, 



Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, . 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 



$2,778,699 00 
60,000 00 
23,658 54 
84,638 14 
26,163 90 
211,267 67 
855 50 



- |3,631,9C9 42 

57,500 00 

. $3,574,401/ 42 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Paid-up capital, 



$97,082 63 

125,049 07 

31,482 67 



$253,614 37 
11,949 93 

1241,664 44 

1,257,314 62 
31,690 15 



.1,530,669 21 

5,605 65 1,525,003 56 



. $2,049,465 86 
. 1,500,000 00 



Surplus over capital, . $549,465 86 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents 



Gross cash income, 



8228,930 11 
2,005,930 01 

$2,234,860 12 
211,267 67 

§2,023,592 45 
267,325 84 



sources, 



$1,756,266 61 

14,654 39 

165,535 16 

4,202 47 

$1,940,658 63 



1891.] AND FIRE-MAKINE INSURANCE COS. 117 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$1,237,503 42 
70,732 46 



,166,770 96 

150,000 00 

305,683 30 

69,272 99 

66,365 52 

164,042 39 



Gross cash expenditures, $1,922,135 16 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . $189,833,636 00 $2,428,775 80 
Fire risks written during 1891, . . 157,947,240 00 2,005,930 01 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$347,780,876 00 $4,434,705 81 
156,920,577 00 1,982,777 73 



$190,860,299 00 $2,451,928 08 



Miscellaneous.. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), . 

Company's stock owned by directors, 



$28,918,243 00* 

17,837,572 00 

1,242,834 00 

2,654,542 00 

150,000 00 

180,900 00 



WELLFLEET MARINE INSURANCE COMPANY, WELLFLEET. 

[Incorporated Dec. 28, 1885. Commenced business Feb. 1, 1886.] 

Paid-up Capital, $100,000. 

THOS. KEMP, President. CHAS. A COLLINS, Secretary. 



Detailed Statement of Stocks 

80 shares Faneuil Hall Nat'l Bank, Boston, . 

54 

93 

30 

30 

23 

20 

25 

15 



Union Market N'l Bank, Watertown, 
Freeman's National Bank, Boston, . 
Hide and Leather N'l Bank, Boston, 
Manufacturers 1 Nat'l Bank, Boston, 
First National Bank, Portland, 
Home National Bank, Brockton, 
First National Bank, Ayer", 
Blackstone National Bank, Boston, 



and Bonds. 

Par Value. 

$8,000 00 
5,400 00 
9,300 00 
3,000 00 
3,000 00 
2,300 00 
2,000 00 
2,500 00 
1,500 00 



Market Value. 

$11,200 00 
8,100 00 
9,323 25 
3,750 00 
3,090 00 
2,800 00 
3,000 00 
2,500 00 
1,500 00 



118 MASS. JOINT-STOCK FIRE, MARINE, [Dec. 31, 

Par Value. Markf-t Value. 

18 shares State National Bank, Boston, . . f 1,800 no $2,190 

10 " Maverick National Bank, Boston, . 1,000 00 

7 " First Ward National Bank, Boston, 700 00 910 00 

3 " Republic National Bank, Boston, . 300 00 *6 00 

50 " Commercial National Bank, Boston, 5,000 00 

150 " Third National Bank, Boston, . . 15,< 15,900 00 

50 " South End National Bank, Boston, . 5,000 00 5,100 00 

50 " Old Colony Railroad, . . . 5,000 00 8,250 00 

18 " Boston & Maine Railroad, . . 1,800 no 2,97' 

10 " Ocean Insurance Co., Portland, . 1,000 00 100 00 



Securities held as collateral for cash loans : — 

1 share Mercantile Wharf Company 

3 shares Old Colony R.R , 

5 shares Cape Cod National Bank, 

Loans on personal security, 

Loan on company's own stock, . $325 00 



$73,600 00 $85,075 25 



Market Value. Loaned Thereon . 



00 


$425 00 


495 00 


30' 1 


600 00 


500 00 




6,210 00 



$1,595 00 $7,435 00 



Summary of Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens*), 
Interest due and accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



$1,500 00 

148 75 

85,675 25 

7,435 00 

1,561 51 

13,636 83 

200 00 

13,100 00 

33,952 13 



$157,209 47 



Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Gross liabilities, except capital, 



$10,500 00 
32,248 63 



42,748 63 



Surplus as regards policy-holders, ?1 14,460 84 

Paid-up capital, 100,000 00 

Surplus over capital, £14,460 84 

* Value of property mortgaged, $4,200 00 

Amount of insurance held as collateral S00 00 



1891.] AND FIRE-MARINE INSURANCE COS. 119 



Income. 

Marine premiums collected, .... 
Less re-insurance and return premiums, . 
Net cash marine premiums received, 
Interest and dividends received from all sources, 



Gross cash income, 



56,805 99 
1,606 77 



$55,199 22 
4,766 56 

$59,965 78 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$43,238 36 
573 09 



$42,665 27 
6,000 00 
5,413 11 
1,471 85 
1,160 00 
847 34 

$57,557 57 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$686,973 00 
1,006,692 00 

$1,693,665 00 
996,933 00 

$696,732 00 
7,800 00 



Premiums. 

$34,647 89 
58,276 65 

$92,924 54 
60,152 91 

$32,771 63 
523 00 



Net amount in force, 



$688,932 00 $32,248 63 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$318,334 00 

288,652 00 

44,165 00 

24,000 00 

6,000 00 

25,700 00 



120 



FIRE-MARINE INSURANCE COS. [Dec. 31, '91. 



AGGREGATE. 



Capital Stock. 
Whole amount of capital actually paid up in cash, 



Gross present assets, 



Assets. 



Liabilities. 



Gross present liabilities, 

Income. 
Cash actually received for fire premiums, . 
actually received for marine premiums, 
for interest and dividends from all sources, 
from all other sources, 

Gross cash income, 

Expenditures. 
Cash actually paid during the year for fire losses, 

actually paid during the year for marine losses, 
dividends to stockholders, .... 
for brokerage and commissions on premiums, 
for salaries and pay of officers and employees, 
for State and local taxes, .... 
for office, agency and incidental expenses, 

Gross cash expenditures, .... 

Miscellaneous. 
Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, 
marine risks written during the year, 
premiums charged or receivable thereon, 
fire risks terminated during the year, 
marine risks terminated during the year, 
fire risks outstanding at end of year, 
marine risks outstanding at end of year, 
cash dividends declared during the year, 
fire losses incurred during the year, 
marine losses incurred during the year, 



fo,007,200 00 



10,978,629 00 



3,578,217 00 



;,981 00 

1,224,546 00 

449.^49 00 

31,710 00 



$4,600,086 00 



f 1,930,034 00 

821.646 00 

382.235 

611.472 

2-12.221 

11" 



00 
00 
00 
00 



343,053 00 



$4,446,243 00 



$301,712,389 00 

3,502,*41 00 

78,926,710 00 

1,449,359 00 

289,195,347 00 

5.659 00 

372,173,024 00 

13.s63,463 00 

382.216 00 

2,085,679 00 

948,949 00 



FIRE, MARINE, AND EIRE-MARINE 

INSURANCE COMPANIES 

OF OTHEE STATES. 



Detailed Statements of Assets and Liabilities, with Absteact 

of Annual Statements, fob the Yeae ending 

Decembee 31, 1891. 



122 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



".ETNA INSURANCE COMPANY/' HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business Aug. 17, 1819.] 

Paid-up Capital, $4,000,000. 

JOTHAM GOODXOW, President. A. C BATHS, Secretary. 

Detailed Statement of Sto Kfl and Bond-. 

Par Value. Market Value. 

United States bonds, $100,000 00 $120,000 00 

Alabama State bonds, 10,000 00 10,500 00 

Georgia State bonds, 25,000 00 90,000 00 

Mississippi State bonds, 11,000 00 12.650 00 

New Hampshire State bonds 48,000 00 60,000 

Rhode Island State bonds 43,000 00 46,410 00 

South Carolina State bonds, .... 15,000 00 15,750 00 

Tennessee State bonds 23,000 00 16,560 

Hartford County, Conn., bonds. . . . 17,000 00 17,000 00 

Mecklenburg County, N. C, bonds, . . 00 7.500 00 

Barkhamsted, Conn., town bonds, . . . 3,000 00 00 

Norwich, Conn., town bonds, .... 100,00000 135, 

Pawtucket, R. I., town bonds, . . . . 100,000 00 112,000 00 

Windsor Locks, Conn., town bonds, . . 20,000 00 21.600 00 

Albina, Oregon, City Boulevard bonds, . . 25,000 00 30.000 00 

Bainbridge, Ga., City Academy bonds, . . 8,000 00 9,200 00 

Bloomington, 111, city bonds, .... 20,00000 21,00000 

Boston Mass., city bonds 50,000 00 56,500 00 

Brooklyn, N. Y., city bonds, .... 9,000 00 10,080 00 

Buffalo, N. Y., city bonds, .... 50,000 00 65 000 00 

Cleveland. Ohio, city bonds, .... 25,000 00 26 750 00 

Cincinnati, Ohio, city water bonds, . . . 30.000 00 32,400 00 

Chicago, 111 , city bonds 29,000 00 32,480 00 

Columbus, Ohio, city improvement bonds, . 50,000 00 53,000 00 

Corry, Pa., city bonds, 10,000 00 10,000 00 

Dallas City, Oregon, water bonds, . . . 25,000 00 27.500 00 

Dallas, Tex., city water and sewer bonds, . 50,000 00 52,500 00 

Detroit, Mich., city bonds, .... 30,000 00 31,500 00 

Fostoria, Ohio, city water bonds, . . . 25,000 00 25,000 00 

Fort Wayne, Ind., city bonds, .... 25,00000 .-.25000 

Glenville, Ohio, village bonds, .... 29,000 00 30.450 00 

Hamilton, Ohio, City Gas Works bonds, . . 25,000 00 26,250 00 

Hartford, Conn., city bonds 94,000 00 103.400 00 

Indianapolis, Ind., city bonds, .... 50,000 00 55,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



123 



Jersey City, N. J., city bonds, . 
Kansas City, Kansas, improvement bonds, 
Lockport, N. Y., city bonds, 
Montreal, Can., corporation stock, . 
Montreal, Can., harbor bonds, . 
Newark, N. J., city bonds, 
New Brunswick, N J., city bonds, . 
Ottumwa, la., city bonds, . 
Providence, R. I., city bonds, 
Rahway, N. J., city bonds, 
Richmond, Va., city bonds, 
Rochester, N. Y., city bonds, 
Seattle, Wash., city bonds, 
St. Louis, Mo., city gold bonds 
Superior, Wis., city bonds, 
Toledo, Ohio, city bonds, . 
Topeka, Kansas, city bonds, 
Urbana, Ohio, city bonds, . 
Chamber of Com. Safety Vault bonds, Chic, 
Central Safety Deposit bonds, Chicago, . 
Tacoma Safety Deposit bonds, Chicago, . 
Independ't School Dist., Blakesburg, la., bonds, 
Independent School Dist., Chelsea, la., bonds, 
Independent School Dist., Ottumwa, la , bonds, 
Independ't School Dist , State Centre, la., b'ds, 
North East School Dist., Hartford, Conn., b'ds, 
School Dist. No. 2, Enlield, Conn., bonds, 
School Dist , 24, Woodbridge, N. J., bonds, 
State of 111 , Mason & Tazewell Drain Dist. b'ds 
Albany & Susquehanna Railroad bonds, . 
Alabama Central Railroad bonds, . 
Atchison, Colorado & Pacific Railroad bonds, 
Akron & Chicago Junction bonds, . 
Buffalo & Erie Railroad bonds, 
Canadian Pacific Railway Co., land grant, 
Chesapeake & Ohio Railroad bonds, 
Cleveland, Col., Cin. & Indianapolis R.R. bonds, 
Cleveland, Painesville & Ashtabula R.R. bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, R T. & Pacific Railroad bonds, . 
Chicago & Western Indiana Railroad bonds, 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Columbus & Toledo Railroad bonds, 
Dayton & Western Railroad bonds, 
Delaware and Hudson Canal Co. bonds, 
Flint & Pere Marquette Railroad bonds, 
Harlem River & Port Chester R.R. bond 



Par Value. 

$15,000 00 

60,000 00 

25,000 00 

19,000 00 

4,000 00 

50,000 00 

2^,000 00 

7,000 00 

50,000 00 

45,000 00 

44,050 00 

25,000 00 

50,000 00 

50,000 00 

25,000 00 

18,000 00 

25,000 00 

25,000 00 

35,000 00 

50,000 00 

50,000 00 

500 00 

1,000 00 

15,000 00 

2,000 00 

20,000 00 

4,000 00 

10,000 00 

9,000 00 

100,000 00 

25,000 00 

50,000 00 

25,000 00 

46,000 00 

100,000 00 

25,000 00 

85,000 00 

32,000 00 

127,200 00 

195,000 00 

155,000 00 

160,000 00 

43,000 00 

32,000 00 

14,000 00 

28.000 00 

55,000 00 

50,000 00 

150,000 00 



Market Value. 

$15,300 00 

65.800 00 

30,00 ) 00 

21,280 00 

4,080 00 

56,000 00 

31,170 00 

7,000 00 

60,000 00 

11,250 00 

51,165 00 

27,000 00 

50,000 00 

55,000 00 

26,250 00 

20,900 00 

26,250 00 

27,500 00 

36,750 00 

52,500 00 

55,000 00 

500 00 

1,000 00 

15,000 ( 

2,000 00 

20,000 00 

4,000 00 

10,500 00 

9,900 00 

124,000 00 

28,750 00 

50,000 00 

26,250 00 

53,360 00 

110,000 00 

18,750 00 

105,300 00 

32,000 00 

141,170 00 

240,700 00 

201,400 00 

183,800 00 

49,020 00 

40,000 00 

15,680 00 

31,640 00 

67,700 00 

52 250 00 

195,000 00 



124 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Indiana & Lake Michigan Railroad bond-, 
Iowa Midland Railroad bonds, . 
Kansas Pacific Railroad bonds 
Keokuk & Dea Moines Railroad bonds, . 
Lake Shore Railroad bonds, 
Lake Shore & Michigan Southern R.R. bonds 
Louisville, New Albany & Chic. R.R. bonds, 
Louisiana and Mo. River Railroad bonds, 
Memphis & Charleston Railroad bonds, . 
Mahoning Railroad bonds, 
Michigan Ceutral Railroad bonds, . 
Minneapolis & St. Louis Railroad bonds, 
Minneapolis Union Railroad bonds,. 
Morris & Essex Railroad bonds, 
New York Central Railroad bonds, . 
New York Central & Hudson Riv. R.R bonds 
New York & Harlem Railroad bonds, 
New York, Lake Erie & Western R.R bonds 
New York & New England Railroad bonds, 
Norfolk & Western Railroad bonds, 
Northwestern Union Railroad bonds, 
Oswego Railroad Bridge Company bonds, 
Ohio & West Virginia Railroad bonds, . 
Pittsburgh, Fort Wayne & Chicago R.R. bonds 
St. Paul , Minn. & Manitoba Railroad bond-. 
St. Paul & Northern Pacific Railroad bonds, 
St. Paul & Sioux City Railroad bonds, 
St. Louis & Iron Mountain bonds, 
Vermont Valley Railroad bonds, 
Wabash Railroad bonds, . 
West Shore Railroad bonds, 
Atlantic Dock Company bonds, 
Loan and Guarantee Co. of Conn, bonds, . 
Atlantic Mutual Ins. Company scrip, 
50 shares Connecticut River Company, 
500 " Albany & Susquehanna Railroad, 
150 " Central Ohio Railroad, . 
500 " Cleveland, Cin , Chic. & St. L. R.R , 
1000 " Cleveland & Pittsburgh Railroad, 
220 " Chicago, Burl. & Quincy Railroad, 
220 " Chicago, Rock Isl. & Pacific R:R., 
000 " Connecticut River Railroad, . 
500 " Conn & Pass. Rivers Railroad, 
300 " Dayton & Michigan Railroad, 
400 " Fort Wayne & Jackson Railroad, 
100 " Joliet & Chicago Railroad, . 
200 " Kal , Allegan & Or. Rapids R.R., 
200 " Keokuk & Des Moines Railroad, 
1000 " Morris & Essex Railroad, 



Par Value. 

$50,000 00 
25,000 00 
25,000 00 
4 < »,000 00 
30,000 00 
96,000 00 
25,000 00 
25,000 00 
25,000 00 
30,000 00 
50,000 00 
25,000 00 
50,000 00 
135,000 00 
37,000 00 
175,000 00 
10,000 00 
45,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
26,000 00 
196,000 00 
16,000 00 
50,000 00 
20,000 00 
10,000 00 
50,000 00 
25,000 00 
50,000 00 
31,000 00 
10,000 00 
44,460 00 
10 00 
5o,000 00 
7,500 00 
50,000 00 
50,000 00 
22.000 00 
•2-2,000 00 
30,000 00 
50,000 00 
15,000 00 
40,000 00 
10,000 00 
20,000 00 
20,000 00 
50,000 00 



Market Value. 
$52,500 00 

31,250 00 
27,500 
42.000 00 
34,800 00 
115,750 00 
28,260 00 
29.. 

31,250 00 

33,000 00 

62,500 00 

.250 00 

.500 00 

,100 00 

37,740 00 

227,500 00 

12,500 00 

01,650 00 

62,000 00 

62,500 00 

33,500 00 

60,000 00 

29,640 

,770 00 
I*, 880 00 
60,500 <X> 
24,400 00 
10,000 00 
53." 
26,2 

52,000 00 
34,100 00 
10,000 00 
44,400 00 
I oo 
82,500 00 
7,950 o0 
50,000 00 
77,500 00 
24,200 00 
19,800 00 
67,200 00 
61,000 00 
24,000 00 
46,400 00 
15,000 

.400 00 

75,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



125 



800 shares New York Cen. & Hudson R. R.R 

500 " New York & Harlem Railroad, 

1500 " New York, New Hav. & Hart. R .R 

700 " Northwest Telegraph Company, 

750 " Pitts., Fort Wayne & Chicago R.R. 

150 " Peoria & Bureau Valley R.R., 

200 " Rensselaer & Saratoga Railroad, 

200 " Valley (New York) Railroad, 

200 " ^Etna Nat'l Bank, Hartford, Conn. 

200 " American Nat'l Bank, Hart., Conn 

400 " Charter Oak N'l B'k, Hart., Conn 

160 " City Bank, Hartford, Connecticut 

150 " Conn. Riv. B'k'g Co., Hart, Conn. 

337 " Farmers 1 & Mech. N'l Bank, Hart, 

200 " First National Bank, Hart., Conn 

1000 " Hartford Nat'l Bank, Hart., Conn 

550 " National Exc. Bank, Hart., Conn. 

1000 " Phoenix Nat'l Bank, Hart., Conn. 

550 " State Bank, Hartford, Conn., 

400 " American Exc. Nat'l Bank, N. Y 

400 " Bank of the Manhattan Co. N. Y. 

300 " B'k of N. Y. N'l B'k'g Asso. N Y. 

200 " Bank of North America, N. Y, 

100 " Hanover National Bank, N. Y., 

300 " Imp. and Traders* Nat'l B'k, N Y 

100 " Market & Fulton Nat'l B'k, N. Y 

700 " Merchants 1 Nat'l Bank, N. Y , 

120 " Merchants' Exch Nat'l B'k., N. Y. 

1200 " Mechanics' National Bank, N. Y. 

400 " Metropolitan Nat'l Bank, N. Y., 

200 " Nassau Bank, New York, 

500 " Nat'l Bank of Commerce. N. Y., 

150 " Nat. Bank of the Republic, N. Y, 

300 " Nat. Butchers' & Drovers' B'k, N.Y 

100 " National City Bank, N. Y , . 

300 " Phenix National Bank, N. Y., 

200 " People's Bank, New York, . 

100 " Third National Bank, N. Y , 

250 " Farm, and Mech Nat'l B'k, Phila 

100 " First Nat'l Bank, Albany, N. Y., 

100 " New Britain N'l B'k. N. B., Conn 

100 " Central Trust Co., New York, 

100 •• Holland Trust Co., New York, 

100 " Metropolitan Trust Co , N. Y., 

150 " N. Y. Life Ins. & Trust Co, N. Y. 

100 " United States Trust Co , N. Y, 

100 " Union Trust Company, N. Y, 



Par Value. 

$80,000 00 
25,000 00 
150,000 00 
35,000 00 
75,000 00 
15,000 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
40,000 00 
16,000 00 

7,500 00 
33,700 00 
20,000 00 
100,000 00 
27,500 00 
10"),000 00 
55,000 00 
40.000 00 
20,000 00 
30,000 00 
14,000 00 
10,000 00 
30,000 00 
10,000 00 
35,000 00 

6,000 00 
30,000 00 
40,000 00 
10,000 00 
50,000 00 
15,000 00 

7,500 00 
10,000 00 

6,000 00 

5,000 00 
10,000 00 
25,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
10,000 00 
10,000 00 



Market Value. 

$95,200 00 
67,500 00 

310,500 00 
35,700 00 

116,250 00 
25,500 00 
34,800 00 
22,000 00 
25,000 00 
14,300 00 
44,000 00 
16,800 00 
7,650 00 
37,744 00 
22,000 00 

160,000 00 
39,875 00 

131,000 00 
56 650 00 
60,000 00 
37,000 00 
72,000 00 
24,500 00 
35 000 00 

165,000 00 
22,500 00 
53 200 00 
7,560 00 
60,000 00 
3,200 00 
17,000 00 
95,000 00 
27,000 00 
13,875 00 
50,000 00 
8,100 00 
15,000 00 
11,000 00 
41,250 00 
18,000 00 
16,000 00 

120,000 00 
20,000 00 
29,000 00 

105,000 00 
80,000 00 
80,000 00 



$6,863,910 00 $9,061,769 00 



126 FIRE, MARINE, AND FIRE-MAPJXE [Dec. 31 



Securities held as collateral for cash loans : — 

25 shares National Bank of Commerce, N. Y., 

25 " Mechanics 1 National Bank, N. Y., 

3 " Chic , Burlington & Quincy R.R., 

18 " Union Pacific R.R 

11 " Atch., Top & Santa Fe R.R., . 

2 " National New Haven Bank, . 

10 " New York & N. J. Telep. Co , 



Market Value 

14,760 00 

1,250 00 
330 00 - 
746 00 | 
495 00 ! 
320 00 ! 



Loaned Thereon. 



900 00 



$3,600 00 



2.430 00 



$8,791 00 $6,030 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due ancf accrued, 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



31, 1891. 

$275,000 00 

42,900 00 

441 47 

9,061,769 00 

6,030 00 

8,401 20 

728,070 31 

525 75 

624,272 61 



-$10,747,410 84 
264,425 00 

$10,482,985 34 



Liabilities. 



Losses adjusted, unpaid, 

claimed and reported, . 
disputed or resisted, 


. $109,877 

225.415 

33,183 


15 
75 
55 


2,900,160 




Total amount of losses, .... 
Less re-insurance, ..... 


. £368,506 

22. 


45 
00 




Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due and accrued for rent, salaries, etc , . 
Commissions and brokerage, . 
Return premiums, 


. $345,981 45 

. 2,486,835 57 

30,396 69 

500 00 

124,148 75 

54,779 18 




Gross liabilities, except capital, 
Deduct liability on special deposits, 


. $3,042,641 
142,480 


64 
90 


74 




. 


• 




Surplus as regards policy-holders, . 


17,582,824 

4,000,000 


60 
00 




$3 582,824 


60 


Amount of insurance held as collateral, . 


• • . 


$59,000 00 
53,500 00 
34,000 00 





1891.] 



IXS. COS. OF OTHER STATES. 



127 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, ....... 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Inland premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash inland premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



Expenditures. 

Cash paid for fire losses, .... 

Cash paid for inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, .... 

Deposits returned on perpetual fire risks, 



Gross cash expenditures, . 

Risks and Premitj 



$486,455 72 
3,677,382 23 

$4,163,837 95 
558,394 35 

$3,605,443 60 
481,595 06 

174,498 20 
191,519 42 

$266,017 62 
65,878 26 

|200,139 36 
27,079 04 



sources, . 

$3,333 79 



$3,123,848 54 



173,060 32 
2,267 50 

455,834 94 
4,801 12 



$3,759,812 42 



1,814,368 29 

30,621 35 

720,000 00 

548,181 42 

210,033 78 

59,818 84 

232,613 29 

189 00 

. $3,615,666 97 



MS. 

Premiums. 

$372,224,513 00 $4,487,932 24 
.303,019,694 00 3,677,382 23 



$675,244,207 00 |8,i65,314 47 

.268,107,872 00 3,267,327 21 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, .... $389,079,163 00 $4,686,965 42 

Perpetual risks in force (not included above), 1,298,750 00 31,996 51 



7,136,335 00 $4,897,9*7 26 
. 18,057,172 00 211,021 84 



128 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Inland risks outstanding Dec. 31, 1890, 
Inland risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$1,770,934 00 
09,078,089 00 



.$70349,028 00 

. 67,549,818 00 



Premiums. 

$51,032 59 
191,519 42 

a oi 

176,078 30 



$3,299,205 00 $66,473 71 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, .... 

Inland losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (18 per cent ), 

Company's stock owned by directors, .... 



£117,510,026 00 

68,116,623 00 

1,950.301 00 

26,178 00 

19,313,365 00 

',000 00 

400,700 00 



"AGRICULTURAL INSURANCE COMPANY," WATERTOWN. N. Y. 

[Organized 1853.* Commenced business February, 1853.] 

Paid-up Capital, $500,000. 
JEAN R. STEBBIN3, President. H. M. STEVENS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Union Pacific Railroad bonds, .... $2,000 00 $2,200 00 

City of Kingston bonds, 146,200 00 157,896 00 

City of Richmond bonds, 25,000 00 25,000 00 

Dexter Sulphite & Pulp Company bonds, . 5,000 00 5,000 00 

New York Central & Hudson Riv. R.R. stocks, 60,000 00 70,125 00 

Illinois Central Railroad stock, . . . 21,700 00 23,600 00 

Western Union Telegraph stock, . . . 35,000 00 29,400 00 

National Union Bank stock, .... 13.60000 19,55000 

Watertown National Bank stock, . . . 5,000 00 00 

Excelsior Carriage Company stock, . . 2,500 00 2,500 00 



Securities held as collateral for cash loans : — 



Bagley & Sewall Company stock, 
Yale National Bank stock, 
Watertown National Bank stock, 
Watertown National Bank stock, 
Mortgages assigned, 



$316,000 00 £342,271 00 



Market Value. Loaned Thereon. 

$23,700 00 $100,00 00 

3,450 00 5,000 00 

2,100 00 1,150 00 

1,400 00 1 n 
4,075 00 i 



* Organized as mutual 1853. Incorporated as stock 1S63. 



1891.] 



INS. COS. OF OTHER STATES. 



129 



Ogdensburg & Lake Champlain Railroad, 
Watertown Spring Wagon Company stock, 
Chicago & Alton Railroad stock, 
Western Union Telegraph stock, 
New York Central & Hud. River R R. stock, 
First National Bank, Clayton, stock, 
Eames Vacuum Company stock, 
Mortgages assigned, .... 
Clayton town bonds, .... 
Wilna town bonds, 



Market Value. 

4,000 00 

10,500 00 

6,160 00 

1,680 00 

3,506 25 

500 00 

800 00 

54,000 00 

600 00 

1,200 00 

$117,671 25 



Loaned Thereon. 

2,000 00 

7,000 00 

3,899 91 

950 00 

2,000 00 

300 00 

700 00 

28,146 24 

1 1,186 80 



,815 16 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*), 
Interest due and accrued thereon, . 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Gross assets, 

Deduct special deposits in other States, . 



$187,233 65 

1,297,589 73 

49,984 90 

342,271 00 

62,815 16 

9,261 70 

177,217 74 

4,317 29 

114,079 75 

17,247 15 



>,262,018 07 
177,928 00 



Balance, $2,084,090 07 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



$27,604 00 

33,445 00 

14,915 00 

1,281,534 32 

20 00 

22,815 95 



$1,380,334 27 

150,000 00 1,230,334 27 



$853,755 80 
500,000 00 



Surplus over capital, $353,755 80 



* Total value of property mortgaged, 



$2,755,835 00 



130 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1891, 
Premiums on risks written or renewed, . 



$109,258 79 
936,567 60 



Total, $ 1,045,826 39 

Premiums now in course of collection, . . 131,326 90 

Entire premiums collected, .... $914,499 49 
Less re-insurance and return premiums, . . 132,410 49 

Net cash fire premiums received, . . . $ 782,089 00 

Interest received on mortgages, 79,084 04 

Interest and dividends received from all other sources, . . 25,252 58 

Income from rents, 2,872 50 



Gross cash income, $889,898 12 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$452,893 70 
50,005 00 
190,579 44 
95,200 00 
17,234 00 
71,356 81 

$877,268 95 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Pkemiums. 

Premiums. 

. £255,137,508 00 $2,511,087 55 
. 100,578,918 00 936,567 60 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



f 355,7 16,426 00 f 3,447,655 15 

92,088,055 00 857,405 01 



$263,628,371 00 $2,590,250 14 
9,782,500 00 92,475 00 



. $253,845,871 00 £2,497,775 14 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent ), 

Company's stock owned by directors, .... 



£15,496,875 00 

7.177,292 00 

451,384 00 

880,000 00 

50,000 00 

213,700 00 



1891.] 



IXS. COS. OF OTHER STATES. 



131 



"ALBANY INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated March 8, 1811. Commenced business March 16, 1811. 
Reorganized June 1, 1881.] 

Paid-up Capital, $250,000. 

JOHN HOWARD KING, President. RICHARD V. DE WITT, Secretary 



Detailed Statement of Stocks and Bonds. 



Watervliet Turnpike and Railroad bonds, 
Northern Pacific Railroad bonds, 
Albany & Susquehanna Railroad bonds, . 
West Shore Railroad bonds, 
New York Central Railroad bonds, . 



Par Value. 

$6,000 00 
20,000 00 
25,000 00 
45,000 00 
50,000 00 



Market Value. 

$6,180 00 

23,000 00 

29,750 00 

45,675 00 

52,812 50 



$146,000 00 $157,417 50 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Re-insurance premiums due, 

Gross assets, 



f 12,500 00 

240,250 00 

2,989 80 

157,417 50 

4,478 51 

13,898 12 

60 00 

2,407 19 

569 89 



$434,571 01 



Liabilities. 

Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc , . 
Commissions and brokerage, . 

Taxes, etc., 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$7,055 89 

61,140 93 

166 67 

449 41 

3,808 38 



72,621 28 



&361,949 73 
250,000 00 



Surplus over capital, $111,949 73 



* Value of lands mortgaged, $202,600 00 

Value of buildings thereon, 338,150 00 

Amount of insurance held as collateral 214,250 00 



132 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 



Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, .... 

(ash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for incidentals, 

Gross cash expenditures, . 



$198 33 
19 28 



$179 05 
93,125 80 

$93,3D4 85 

2,407 19 

$90,897 G6 
8.136 33 



other sources, 



$82,761 33 

11,440 47 

7,869 08 

23 51 



$106,294 39 



$56,972 28 

20,000 00 

14,427 56 

li>,584 83 

93 

4,114 11 

$111,099 71 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, . 

Total, . . . . ' . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Miscellaneous 



$13,126,649 00 
10,226,263 00 



Premiums. 

S116,U>6 56 
93,125 80 



$23,352,912 00 $209,232 36 
9,184,688 00 86,262 62 



$14,168,224 00 $122,969 74 

448,384 00 3,840 78 



$13,719,840 00 $119,128 96 



Premiums received from re-organization of company, . 
Losses paid from re-organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from re-organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$870,486 00 

461,148 00 

56,343 00 

220,000 00 

20,000 00 

65,500 00 



1891.] 



INS. COS. OF OTHER STATES. 



133 



"AMERICAN INSURANCE COMPANY," NEWARK, N. J. 

[Incorporated Feb. 20, 1846. Commenced business April 1, 1846.] 

Paid-up Capital, $600,000. 

F. H. HARRIS, President. JAMES H. WORDEN, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, 

North Hudson County, N. J., Railway bonds, 
United New Jersey R.R. & Canal Co. bonds, 
Morris & Essex R.R. bonds, 



Market Value. 

$200,000 00 $233,500 00 

100,000 00 105,000 00 

50,000 00 53,025 00 

50,000 00 67,750 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estaie (first liens " 
Interest due and accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Company's own scrip, . . $1-10,000 00 
Mortgaged property foreclosed, 153 50 

Premiums more than 3 months due, 732 91 
Gross assets, . . 

Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Cash dividends to policy-holders unpaid, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$400,000 00 $459,875 00 

31, 1891. 

$294,076 65 

), 1,329,560 38 

2<),694 73 

459,875 00 

4,667 28 

22,842 87 

5,458 34 

43,353 53 

1,891 91 



Surplus over capital, . 



$14,479 83 

16,800 23 

5,194 54 

$36,474 60 
2,033 31 

$34,441 29 

421,758 45 

5,433 65 

8,000 24 

3,363 00 



$2,182,420 69 



473,596 63 

$1,708,824 06 
600,000 00 



$1,108,824 06 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$3,254,580 00 
1,558,658 00 



134 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Fire premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$35,965 51 

487 68 

$35,477 83 
586,814 64 

$622,292 47 

44,086 44 

$578,206 03 

114,116 59 



sources, 



$464,089 44 
69,110 77 

17,028 18 

5,21 

$555,445 47 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$263,205 04 
16,537 84 



$246,667 20 
62,427 75 
82,713 74 
47,589 68 
17.804 78 
34,069 61 

$491,272 76 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 



RisKS and Premium s. 

Premiums. 

. $96,573,148 00 £798,998 01 
. 67,208,435 00 586,814 64 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



$163,781,583 00 $1,385,812 65 
. 61,997,459 00 530,336 05 



$101,784,124 00 ?855,476 60 
. 4,041,708 00 43,055 25 



',742,416 00 8812,421 35 



Miscellaneous. 

Premiums received from organization of company, 

3P8 paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent), . 
Company's stock owned by directors, . . . . 



§7,163,648 00 

2,721,321 00 

252,172 00 

1,794,010 00 

60,000 00 

48,720 00 



1891.] 



INS. COS. OF OTHER STATES. 



135 



"AMERICAN CENTRAL INSURANCE COMPANY," 
ST. LOUIS, MO. 

[Incorporated February, 1853. Commenced business February, 1853.] 

Paid-up Capital, $600,000. 

GEORGE T. CRAM, President. CHARLES CHRISTENSEN", Secretary. 



Detailed Statement of Stocks 



State of Missouri bonds, .... 
St. Louis Merch's Bridge Company bonds, 
North Missouri Railway (1st mort.) bonds, 
Laclede Gas Campany bonds, . 
St. Louis, C. B & O Railway bonds, 
St Louis County Park bonds, . 
Jersey ville, 111., bonds, 
Norborne, Mo , school bonds, . 
Madison County, 111., Ferry bonds, . 
De Soto, Mo , bonds, .... 
Peirce City, Mo , school bonds, 
Lafayette County, Mo, funding bonds, 
Miss. County, Mo., school bonds, 
Nat'l Bank of Com., St. Louis, stock, 
Commercial Bank, St. Louis, stock, . 
Third Nat'l Bank, St Louis, stock, . 
Mechanics 1 Bank, St. Louis, stock, . 
Boatmens 1 Bank, St. Louis, stock, . 
St. Louis Nat'l Bank, St. Louis, stock, 
Laclede Gas Company, St. Louis, stock, 



Securities held as collateral for cash loans : 

Broadway Real Estate Company stock, 

American Brake Company stock, 

Laclede Building Company bonds, . 

Third Nat'l Bank stock, . 

Broadway Real Estate Company stock, 

Union Depot Railroad bonds, . 

St. Louis, Merch's Bridge Railroad bonds, 



and Bonds. 

Par Value. 

$90,000 00 

75,000 00 

25,000 00 

23,000 00 

18,000 00 

15,000 00 

15,000 00 

8,000 00 

4,000 00 

3,500 00 

2,800 00' 

700 00 

400 00 

180,000 00 

10,000 00 

23,200 00 

11,100 00 

10,000 00 

10,000 00 

4,800 00 



Market Value. 

$95,000 00 

75,000 00 

28,000 00 

20,000 00 

18,000 00 

18,000 00 

15,000 00 

8,000 00 

4,000 00 

3,500 00 

2,800 00 

700 00 

400 00 

270,000 00 

50,000 00 

28,000 00 

23,000 00 

14,000 00 

12,500 00 

2,500 00 



$529,500 00 $688,400 00 



Market Value. 

$50,000 00 
18,000 00 
50,500 00 
12,960 00 

100,000 00 
25,000 00 
25,500 00 



Loaned Thereon. 

$25,000 00 

12,000 00 

45,000 00 

6,000 00 

50,000 00 
20,000 00 



$281,960 00 $158,000 00 



Summary of Assets Dec. 31, 1891. 
Cash value of unencumbered real estate, . . $500,000 00 
Loans on mortgage of real estate (first liens*), 9,000 00 

Stocks and bonds, as per schedule, . . . 688,400 00 



* Value of lands mortgaged, . 
Value of buildings thereon, 
.Amount of insurance held as collateral, 



$10,000 00 
5,000 00 
5,0,0 00 



136 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



$158,000 00 

2,053 46 

63,029 20 

101,479 29 



$1,521,901 95 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amouut of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



risk 



Bi 



$23,790 41 

54,460 45 

9,543 70 

$87,794 56 
15,153 13 

$72,641 43 

519,421 10 

15,221 89 



607,284 42 

$914,677 53 
600,000 00 

$314,077 53 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, .... 
Less re-insurance and return premiums, . 
Net cash fire premiums received, 
Interest and dividends received from all sources, 
Income from rents, 



$73,405 38 

709,2' 

5782,612 09 

1(11.479 29 



$681,132 80 
35,934 73 



$645,198 07 
46,500 46 
26,96" . 



Gross cash income, $718,661 55 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage aud re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



§428,407 09 
36,758 79 



$391,648 30 
60,000 00 
86,915 91 
52.518 70 
14.312 00 
93,560 48 



Gross cash expenditures, 



$698,955 39 



1891.] 



INS. COS. OF OTHER STATES. 



137 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums 

.$70,850,280 00 $915,155 73 
. 64,537,210 00 709,206 71 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$135,387,490 00 $1,624,362 44 
. 50,917,492 00 563,990 49 



.$84,469,998 00 $1,060,371 95 
. 4,733,786 00 65,063 40 



.$79,736,212 00 $995,308 55 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), . 

Company's stock owned by directors, 



$12,805,176 00 
6,639,078 00 
423,815 00 
927,588 00 
60,000 00 
58,550 00 



"AMERICAN FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 30, 1857. Commenced business May 1, 1857.] 
Paid-up Capital, $400,000. 



DAVID ADEE, President. 



WM. H. CROLIUS, Secretary. 



Detailed Statement of Stocks 



United States bonds, .... 

St. Louis & Iron Mountain Railroad bonds, 
West Shore Railroad bonds, 
Lake Gas Company (Chicago) bonds, 
Western Union Telegraph bonds, . 
Consolidated Gas Company stock, . 
Rensselaer & Saratoga Railroad stock, 
National Bank of Commerce stock, 
American Exchange National Bank stock, 
Bank of State of New York stock, 
Merchants 1 National Bank stock, 
Third National Bank stock, 
Phoenix National Bank stock, . 
Mercantile Trust Company stock, 
Delaware & Hudson Canal Company stock, 
New York Central & Hudson River R.R. stock 
Manhattan Railway Company stock, 
Western Union Telegraph Company stock, 
Delaware, Lackawanna & Western R.R. stock 
Pittsburgh, McKeesport & Y. Railroad stock, 
Standard Gas Company stock, . 



and Bonds, 

Par Value. 

$300,000 00 
10,000 00 
25,000 00 
30,000 00 
40,000 00 
71,000 00 
40,000 00 
10,000 00 
35,000 00 

6,000 00 
20,000 00 
10,000 00 

4,000 00 
10,000 00 
30,000 00 
40,000 00 
50,000 00 
50,000 00 
20,000 00 
35,000 00 
20,000 00 



Market Value. 

$351,000 00 
8,600 00 
25,500 00 
31,200 00 
40,800 00 
74,195 00 
68,000 00 
18,800 00 
52.850 00 
6,720 00 
31,000 00 
10,600 00 
5,400 00 
30,000 00 
36,900 00 
46,550 00 
52,000 00 
41,875 00 
27,800 00 
42,700 00 
17,000 00 



138 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Pennsylvania Railroad stock, .... 
Lake Shore & Michigan So. Railroad stock, . 

Securities held as collateral for cash loans : — 

60 shares Union Trust Company, 

Lake Gas Company bonds, .... 

Hackensack Water Company bonds, 

20 shares Hudson River Bank, 
262 " Hackensack Water Company, 
100 " Delaware & Hudson Canal Co., 

16 " Delaware & Hudson Canal Co , 

10 " Rensselaer & Saratoga Railroad, . 

20 " Title Guar. Trust Company, . 



Tar Value. Market Value. 

$20,000 00 822,800 00 
40,000 00 49300 00 



$916,000 00 $1,091,590*00 



Market Value, 

$48,000 00 
3,120 00 
C 240 00 
2,900 00 
7,2' 
12,300 00 
1,968 00 
1,700 00 
3,000 00 



} 



Loaned Thereon. 

$31,000 00 

2,470 00 

12,200 00 

5,000 00 

2,500 00 

2,500 00 



$86,433 00 $55,670 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), 1,220 00 

218 03 

1,091,590 00 

55,670 00 

55,819 27 

87,265 08 

13,792 94 

350,570 05 

5,907 14 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Re-insurance, ...... 

Gross assets,f 

Deduct special deposits in other States, . 



Balance, 



$1,685,082 51 
52,650 00 

$1,632,432 51 



Liabilities. 
Losses adjusted, unpaid, .... 

Losses claimed and reported, . . 

Unearned premiums on outstanding risks, 

Unpaid scrip ordered to be redeemed, 

Interest due or accrued on scrip, 

Due and accrued for rent, salaries, etc., . 

State and local taxes, .... 

Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital and scrip, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 



$36,520 73 

117,602 61 

792,551 64 

2,309 00 

5,868 58 

4,394 46 

1,812 78 

60,239 73 

21,615 56 

,042,915 09 

20,946 46 1,021,968 63 



8610,463 88 



* Value of lands mortgaged, $38,280 00 

Value of buildings thereon, 24,220 00 

Amount of insurance held as collateral 24,220 00 

t Including $200,000 special reserve fund held under New York law. 



1891.] 



INS. COS. OF OTHER STATES. 



139 



Paid-up capital, $400,000 00 

Scrip outstanding, not ordered to be redeemed, 130,235 00 



Surplus over capital and scrip, . 



$530,235 00 
$80,228 88 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 



Gross cash income, 



Expenditures, 

Cash paid for fire losses, $757,443 17 

Deduct salvage and re-insurance, . . . 121,026 70 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, . 

Risks and Premiums. 



$148,067 36 
1,625,842 39 

$1,773,909 75 
350,570 05 

$1,423,339 70 
274,840 87 



sources, 



$1,148,498 83 

3,247 00 

52,377 45 

$1,204,123 28 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 18 J I, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$105,432,453 00 
153,093,492 00 



$258,525,945 00 
" 99,134,012 00 



$159,391,933 00 
13,523,732 00 



$636,416 47 
40,000 00 
255,050 60 
85,693 79 
16,825 99 
97,164 47 

$1,131,151 32 



Premiums. 

$968,872 74 

1,625,842 39 

$2,594,715 13 

950,587 25 

$1,644,127 88 

126,015 67 



$145,868,201 00 $1,518,112 21 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, 



$8,414,323 00 

3,453,515 00 

740,590 00 

1,316,000 00 

40,000 00 

83,700 00 



140 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"AMERICAN FIRE INSURANCE COMPANY," PHILADELPHIA. I'A 

[Incorporated Feb. 28, 1810. Commenced business March 12, 1810.] 



Paid-up Capital, $500,000. 



THOS. H. MONTGOMERY, President. 



RICHARD MARLS, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

Philadelphia & Reading Railroad bonds, . 
Northern Pacific Railroad bonds, 
Pennsylvania Equipment Trust bonds, . 
Steubenville & Indiana Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Phila., Wilmington & Baltimore R.R. bonds, 
Belt Road and Stock Yard bonds, . 
Chicago & Western Indiana Railroad bonds, 
Philadelphia & Erie Railroad bonds, 
Shamokin Valle} T & Pottsville Railroad bonds, 
Lehigh Coal and Navigation Company bonds, 
North Pennsylvania Railroad bonds, 
Virginia & Tennessee Railroad bonds, 
Georgia State bonds, .... 
Delaware & Chesapeake Railroad bonds, 
Huntingdon & Broad Top Mt R.R. bonds, 
Huntingdon & Broad Top Mt. R.R. car trust, 
Borough of Bellefonte, Pa., bonds, . 
Corning, Cowanesque & Antrim R.R. bonds, 
Philadelphia & Reading Railroad bonds, . 
Lehigh Valley Railroad bonds, 
Mortgage Trust Company, Pa., bonds, . 
Middlesex Banking Company bonds, 
Richmond, Fred & Potomac Railroad bonds, 
Phila. & Reading Railroad bonds, . 
Allegheny Valley Railroad bonds, . 
Northern Central Railroad bonds, . 
New York & Long Branch Railroad bonds, 
Northern Pacific & Montana Railroad bonds, 
Penn. and New Y"ork Canal & Railroad bonds 

Portland city bonds, 

X. W. Guaranty Loan Company bonds, . 
Lehigh Valley Railroad bonds, 
Lehio-hton water bonds, .... 
Wheeling & Lake Erie Exten. Imp. R.R. bonds 
Suubury, Hazleton & AVilkesbarre R.R. bonds 
Pittsburg, Cincinnati & St. Louis R R bonds, 



and Bonds. 

Par Value. 

$30,000 00 
112,000 00 
40,000 00 
50,000 00 
50,000 00 
64,000 00 
10,000 00 
20,000 00 
28,000 00 
20,000 00 
20,000 00 
20,000 00 
51-,000 00 
25,000 00 
25,000 00 
5,000 00 
10,000 00 
20,000 00 
500 00 
16,000 00 
25,000 00 
51,000 00 
25,000 00 
25,000 00 
35,000 00 
27,000 00 
15,000 00 
27,000 00 
15,000 00 
30,000 00 
50,000 00 
50,000 00 
15,000 00 
25,000 00 
5,000 00 
15,000 00 
10,000 00 
30,000 00 



Market Value. 

?34,G50 00 
96,040 00 
47,200 00 
47,726 96 
53,500 00 
81,820 00 
10,300 00 
20,960 00 
30,734 60 
22,600 00 
24,000 00 
21,600 00 
65,280 00 
27,500 00 
30,250 00 
4,483 34 
10,150 00 
20,133 32 
550 00 
16,800 00 
26,312 50 
64,770 00 
25,104 16 
25,125 00 
35,393 75 
17,967 50 
16,687 50 
31,320 00 
16,575 00 
30,750 00 
55,000 00 
57,500 00 
15,400 00 
25,750 00 
5,125 00 
15,562 50 
10,450 00 
34,800 00 



$1,091,500 00 $1,175,871 13 



1891.] 



INS. COS. OF OTHER STATES. 



141 



Securities held as collateral for cash loans : — 



26 shares Lykens Valley Railroad, 
146 " Pennsylvania Railroad, . 
13 " Insurance Co. of State of Penn., 
66 " Connellsville Gas Coal Co., . 
Greenwood M't'g Lehigh Coal & Nav. Co. b'ds 

4 shares Travelers' Insurance Company, 

5 * 
100 • 
300 * 
200 " 
100 ' 
200 * 



' First Nat'l Bank of Williamsport, Pa., 
1 Philadelphia & Erie Railroad, 
1 Texas Pacific Railroad, . 
1 Colorado Coal and Iron Company, 
' Lehigh Coal and Navigation Co., 
• Northern Pacific Railroad, 
Lehigh Valley Railroad bonds, 
North Pennsylvania Railroad bonds, 
Lehigh Valley Railroad bonds, 
Connecting Railroad bonds, 
Pennsylvania and N. Y. Canal and R.R. bonds, 
5 shares Fourth Street National Bank, 
49 " Real Estate Trust Company, . 
28 " Westmoreland Coal Company, 
25 " Southern Cotton Oil Company, 
37 " Mine Hill & Schuylkill Haven R R 
125 " Insurance Co. of North America, 
200 " Northern Pacific Railroad, 
400 " Huntingdon & Broad Top Mt. R.R 
30 " Pennsylvania Steel Company, 
300 " Hestonville Passenger Railway, 
Philadelphia & Reading Railroad bonds, 
Denver & Rio Grande Railroad bonds, 
Pen Argjle water bonds, .... 
100 shares United States Gas Improvement Co 

10 " Merchants 1 National Bank, . 
500 " Investment Company, 
Chicago & Northern Pacific Railroad bonds, 
Boston United Gas bonds; 
700 shares Philadelphia & Reading Railroad, 
Poughkeepsie Bridge Company bonds, . 
100 shares Lehigh Coal and Navigation Co., 
Central New Eng & Western Railroad bonds 
Philadelphia & Reading Railroad bonds, 
Watsontown, Pa , water bonds, 
10 shares Travelers 1 Insurance Company, 



Market Value, 

$780 00 
9,368 50 
4,056 00 f 
1,320 00 S 
7,210 00 
1,080 00 ) 
1,000 00 S 
3,300 001 
4,050 00 
7,200 00 
4,912 50 
5,175 00 
4,050 00 i 
3,840 00 
2,540 00 
2,300 00 
1,200 00 J 
700 00 

4.214 00 1 
1,820 00 
1,375 00 
2,580 75 j 
3,312 50 J 
5,175 00 ^ 

10,500 00 ' 
4,500 00 
9,000 00 j 
6,922 50 1 
1,160 00 
2,200 00 
5,500 00 } 
800 00 

11,500 00 
800 00 ) 

40,500 00 

14,000 001 
3,360 00 
4,912 50 
5,400 00 j 

4.215 00 J 
500 00 ) 

2,700 00 S 



Loaned Thereon. 

$6,000 00 

3,950 00 

3,500 00 
1,500 00 



30,000 00 



200 00 



9,000 00 



> 25,000 00 



20,000 00 

30,000 00 
25,000 00 

2,600 00 



$211,029 25 $156,750 00 



142 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $3,021,988 10 



$255,997 40 

1,227,149 13 

22,944 89 

1,175,871 13 

156,750 00 

35,426 38 

139,995 27 

1,837 38 

81,087 13 

8,044 89 



13,105,703 60 
83,715 50 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards joolicy-liolders, 
Paid-up capital, .... 



Surplus over capital, 



$65,413 16 

282,882 95 

50,622 23 

1,369,653 51 

515,195 04 

14,784 43 

$2,298,551 32 

32,983 23 2,265,568 09 



$756,420 01 
500,000 00 

|256 t 420 01 



Inxome 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents .... 

Income from all other sources, 

Deposits received for perpetual fire risks 



Gross cash income, 



$59,368 90 
2,507,838 24 

$2,567,207 14 
81,087 13 

$2,486,120 01 
390,325 31 



sources, 



$2,095,794 70 

61,373 05 

73,421 91 

26,428 58 

4,365 84 



$33,503 50 



$2,261,384 • 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$1,293,417 00 
. 1,598,350 00 
. 993,532 00 



1891.] 



INS. COS. OF OTHER STATES, 



143 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for expenses on real estate, 

for incidentals, . 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



I ,355,401 07 

50,400 00 

440,013 68 

117,828 18 

42,717 27 

23,166 09 

151,707 92 

12,914 50 

1,181,234 21 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$230,994,669 00 $2,490,956 03 
. 267,732,085 00 2,507,838 24 



Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount re-insured, 

Net amount in force, 
Perpetual risks in force (not included above), 



$498,726,754 00 $4,998,794 27 
.241,931,906 00 2,212,310 44 



$256,794,848 00 $2,786,483 83 
. 12,447,825 00 122,957 10 



$244,347,023 00 
21,091,243 00 



1,663,526 73 
560,642 17 



MISCELLANEOUS. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$22,374,368 00 

12,536,875 00 

1,481,825 00 

2,570,975 00 

50,000 00 

24,400 00 



"ATLANTIC MUTUAL INSURANCE COMPANY," 
NEW YORK, N. Y. 

[Incorporated April 11, 1842. Commenced business July 1, i842.] 
JOHN D. JONES, President. JOSEPH H. CHAPMAN, Secretary. 



Detailed Statement of Stocks 



American Exchange Bank stock, 
Bank of America Stock, . 
Bank of Commerce stock, . 
Bank of New York stock, . 
Leather Manufacturers' Bank stock, 
Merchants' Bank stock, 
Mechanics' Bank stock, • . 



and Bonds. 

Par Value. 

$76,800 00 
100,000 00 
64,100 00 
73,300 00 
15,600 00 
70,150 00 
47,675 00 



Market Value.* 

$76,800 00 

100,000 00 

64,100 00 

73,300 00 

15,600 00 

70 150 00 
47,675 00 



* Estimated for the purpose of permanent investment. 



144 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Manhattan Company stock, 
Market and Fulton Bank stock, 

Phenix Bank stock, 

Atlantic Trust Company stock, . 

Consolidated Gas Company stock, . 

New York County bonds, .... 

New York City bonds, .... 

New York Cent. & Hudson Riv. R.R. bonds, 

New York Central Railroad bonds, . 

New York, Lake Erie & Western R.R. bonds 

West Shore Railroad bonds, 

Brooklyn & Montauk Railroad bonds, 

Seattle, Lake Shore & Eastern Railroad bonds 

Brooklyn City Park bonds, 

Jersey City water bonds, .... 

District of Columbia bonds, 

United States bonds, 



Par Value. 

$18,000 00 

30,000 00 

65,340 00 

100,000 00 

50,000 00 

100,000 00 

253,100 00 

450,000 00 

139,000 00 

100,000 00 

200,000 00 

75,000 00 

100,000 00 

122,000 00 

100,000 00 

369,000 00 

5,560,000 00 



Market Value. 

$18,000 00 

30,000 00 

65,340 00 

200,000 00 

40,000 00 

100,000 00 

235,190 00 

360,000 00 

118,150 00 

80,000 00 

150,000 00 

63,750 00 

90,000 00 

109,800 00 

100,000 00 

258,300 00 

5,101,000 00 



$8,279,065 00 $7,567,155 00 



Securities held as collateral for cash loans : — 

Market Value. 

Fourth National Bank stock, .... $18,700 00 

Consolidated Gas Company stock, . . . 22,500 00 

Equitable Gas Company bonds, . . . 5,500 00 

Tenn. Coal and Iron Company bonds, . . 18,000 00 

Chicago & East Illinois Railroad stock, . . 13,000 00 

Col , Hock. Valley & T. Railroad bonds, . 13,500 00 

St. Paul, Minn. & Manitoba Railroad stock, . 69,000 00 

Great Northern Railroad stock, . . . 48,800 00 

Lake Erie & Western Railroad stock, . . 7,000 00 

Chicago, Milwaukee & St. Paul Railroad stock, 61,000 00 

Pullman Palace Car Company stock, . . 55,800 00 

Chicago, Milwaukee & St. Paul Railroad stock, 8,000 00 

Great Northern Railroad stock, . . . 12,200 00 1 

Lake Erie & Western Railroad stock, . . 21,000 00 

Consolidated Gas Company, New l r ork, stock, 10,000 00 

Oregon Improvement Company bonds, . . 10,500 00 

New York & New Eng. Railroad bonds, . . 4,400 00 

Montana Central Railroad bonds, . . . 6,900 00 j 

South Ferry Railroad bonds, .... 7,35000^ 

Central Railroad of New Jersey bonds, . . 15,260 00 

San Antonio & Aran. Pass Railroad bonds, . 3,660 00 

Chicago, Burl. & Quincy Railroad bonds, . 1,000 00 

Western Union Telegraph Company stock, . 4,000 00 j 

Pacific Mail Steamship Company stock, . . 11,100 00" 

Delaware & Hudson Canal Company bonds, . 1,400 00 

Reading city bonds, 1,000 00 

N. Y., Lake Erie & Western Railroad bonds, . 2,000 00 

Lake Erie & Western Railroad bonds, . . 16,200 00 j 



Loaned Thereon. 

$22,000 00 

5,000 00 
20,000 00 

10,000 00 

100,000 00 

50,000 00 
50,000 00 



}> 50,000 00 



25,000 00 



25,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



145 



Atlantic Trust Company stock, 
Chicago, Milwaukee & St Paul Railroad stock, 
Chic. June. R R and Union Stock Yards bonds, 
Central Park & North & East Riv. R.R. stock, 
Seattle, Lake Shore & Eastern Railroad bonds, 
Virginia Midland Railroad stock, 
Great Northern Railroad stock, 
St. Paul, Minn & Manitoba Railroad stock, 
Mont. Central Railroad bonds, . 
American Bell Telephone Company stock, 
Chicago, Milwaukee & St. Paul Railroad stock 
Lake Eiie & Western Railroad stock, 
Great Northern Railroad stock, 
Metropolitan Elevated Railroad bonds, . 
Christopher & Tenth Street Railroad stock, 
Morris & Essex Railroad stock, 



Market Value. 

$22,500 00 

40,000 00 

24,180 CO 

25,875 00 

47,840 00 ) 

16,000 00 S 

24,400 00 ^ 

11,500 00 ' 

21,850 00 

3,600 00 j 

12,200 00^ 

35,000 00 i 



Loaned Thereon. 

$20,000 00 
50,000 00 
17,100 00 
50,000 00 

j> 50,000 00 



12,200 00 , 
1,100 00 j 
12,500 00 
14,000 00 



)> 50,000 00 



10,000 00 
5,000 00 



$793,515 00 $609,100 00 



31, 1891. 

|700,000 00 
7,567,155 00 
609,100 00 
1,977,296 24 
1,425,030 93 



Summary of Assets Dec 
Cash value of unencum'oered real estate, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in bank and with English bankers, . 
Notes taken for marine and inland risks, 
Gross assets, 

Liabilities 

Losses adjusted, unpaid, $117,387 88 

claimed and reported, .... 1,608,053 12 

disputed or resisted, .... 42,000 00 

Unearned premiums on outstanding risks, . 1,472,142 48 

Unpaid scrip ordered to be redeemed, . . 227,000 00 

Interest due or accrued on scrip, . . . 8,887 45 

Return premiums, 143,779 25 

Miscellaneous, 17,064 34 

Gross liabilities, except scrip, .... 

Surplus as regards policy-holders, . 

Scrip outstanding, not ordered to be redeemed, 

Surplus over scrip, 

Income. 
Cash received for marine premiums, 
Less re-insurance and return premiums, . 
Net cash marine premiums received, . . - 
Interest and dividends received from all sources, 
Income from rents, 



■$12,278,582 17 



. $3,766,411 16 
431,981 06 



3,636,314 52 



. $8,642,267 65 
. 6,853,090 00 

. $1,789,177 65 



5,334,430 10' 

511,333 15 

35,648 27 



Gross cash income $3,881,41152 



146 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash paid for redemption of scrip, . 

nterest paid scrip-holders, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for repairs on real estate, 

Gross cash expenditures, .... 



$1,836,325 11 
173,055 91 



$1,063,269 20 

1,336,655 00 

413,970 80 

20,236 86 

406,001 65 

42,220 81 

8,000 00 



. $3,890,354 32 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 



Risks and Premiums. 

Premiums. 

$120,421,602 00 $1,394,177 87 
. 487,065,690 00 3,862,687 97 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$607,487,292 00 $5,256,865 84 
.480,587,977 00 3,784,723 36 



$126,899,315 00 $1,472,142 48 



Miscellaneous. 

Marine and inland losses incurred during the year (est.), . $1,776,606 00 



"BUFFALO GERMAN INSURANCE COMPANY," BUFFALO, N. Y. 

[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.] 

Paid-up Capital, $200,000. 

PHILIP BECKER, President. OLIVER J. EGGERT, Secretary. 



Detailed Statement of Stocks and Bonds. 

I'ar Value. 

. £235,000 00 
36,250 00 
25,000 00 
26,772 30 



Buffalo city bonds, 

Buffalo & Southwestern Railroad bonds, . 
Tonawanda Gas Company bonds, 
Buffalo city warrants, .... 



Market Valne. 

?235,000 00 
36,250 00 
25,000 00 
26,772 30 



Securities held as collateral for cash loans : — 

Third National Bank, Buffalo, stock, 
German Bank, Buffalo, stock, 
Citizens' Gas Company, Buffalo, N. Y., bonds, . 
Fireman's Fund Insurance Company stock, 
Buffalo Street Railroad stock, .... 
Buffalo Loan, Trust & Safe Deposit Co. stock, 
German Bank, Buffalo, N. Y., stock, 
Co-operative Stove Co., Buffalo, N. Y , stock, . 
Co-operative Brew'gCo , Buffalo, N. Y., stock, 



$23,022 30 ?323,022 30 



Market Value. Loaned Thereon. 



$6,250 00 i 

12,000 00 \ 

40,000 00 

4,000 00 

10,000 00 

5,000 00^ 

4,000 00 ' 

1,000 00 , 

3,500 00 j 



?10,000 00 

32,000 00 
3,000 00 
8,000 00 

8,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



147 



German Bank, Buffalo, N. Y., stock, 
Board of Trade, Buffalo, N. Y., stock, 
German-American Bank, Buffalo, N. Y., stock 
Merchants' Bank, Buffalo, N. Y., stock, . 
Western National Bank, New York, stock, 

Toledo city bonds, 

Citizens' Gas Company, Buffalo, bonds, . 
Union Fire Insurance Company, Buffalo, stock 
Alliance Fire Ins Asso.,New York, stock, 
Exchange Elevator Company, Buffalo, stock, 
Cataract Bank, Niagara Falls, N. Y., stock, 
Third National Bank, Buffalo, stock, 
German-American Bank, Buffalo, stock, . 
Metropolitan Bank, Buffalo, stock, . 



Market Value. 

$12,000 00 

2,970 00 

3,125 00 

12,500 00 

20,000 00 

1,250 00 

4,000 00 

1,100 00 

1,000 00 

1,000 00 

25,000 00 

56,250 00 

2,500 00 

2,000 00 



Loaned Thereon. 

$6,000 00 

[ 30,000 00 
i 

J 



1,000 00 

2,000 00 

1,000 00 

20,000 00 

45,000 00 

2,000 00 

1,800 00 

$230,445 00 $169,800 00 



Summary of Assets Dec 
Cash value of unencumbered lval estate, 
Loans on mortgage of real estate (first liens* 
Interest due thereon, .... 

Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Gross assets, f . . 



31, 1891. 

$300,600 00 

), 506,525 00 

2,526 05 

323,022 30 

169,800 00 

868 48 

91,219 77 

2,592 95 

52,544 13 

2,872 42 

1,461 32 



$1,454,032 42 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



$4,682 54 

15,614 00 

2,905 41 

310,209 30 

8,150 34 



Surplus over capital, . 



341,561 59 

1,112,470 83 

200,000 00 

$912,470 83 



* Value of lands mortgaged, $731,781 00 

Value of buildings thereon, 667,706 00 

Amount of insurance held as collateral 390,299 00 

t Including $'200,000 special reserve fund held under New York law. 



148 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Fire risks outstanding Dec. 31, 1890, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 
Income from brokerage, . 



Gross cash income, 



other 



Expenditures 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for tire losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 
for State and local taxes, . 
for expenses on real estate, 
for incidentals, .... 



Gross cash expenditures, 



$59,567 74 
3,386 85 

$56,180 89 
493,230 16 

$549,411 05 
52,544 13 

$496,866 92 
120,327 98 



sources, 



$283,336 69 
8,135 24 



$376,538 94 

28,004 52 

20,033 70 

18,262 25 

3,026 69 

$445,926 10 



$275,201 45 
40,000 00 
82,340 99 

-.17.-- 77 

7,599 88 

9,899 58 

18,157 89 



$455,375 56 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

. $65,003,520 00 $686,507 04 
. 45,331,508 00 493,230 16 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$110,335,028 00 $1,179,737 20 
. 48,233,522 00 521,065 78 

.$62,101,506 00 $658,671 42 
. 4,850,510 00 40,263 54 



$57,250,996 00 $618,407 SS 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (20 per cent.), 

Company's stock owned by directors, 



$6,453,520 00 

3,302,286 00 

269,112 00 

705,925 00 

40,000 00 

59,500 00 



1891.] 



INS. COS. OF OTHER STATES. 



149 



" THE CAPITAL FJRE INSURANCE COMPANY OF CONCORD, N II.," 

CONCORD, N. H. 

[Incorporated March 10, 1886. Commenced business March 19, 1886.] 

Paid-up Capital, $200,000. 

FRANK W. ROLLINS, President. LYMAN JACKMAN, Secretary. 



Co. bonds, 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

$1,000 00 $1,060 00 

1,000 00 1,060 00 

10,000 00 10,400 00 

3,000 00 3,060 00 

2,000 00 2,080 00 

5,000 00 5,300 00 

5,000 00 5,000 00 

5,000 00 5,000 00 

5,000 00 5,000 00 

5,000 00 5,150 00 

1,000 00 1,080 00 

5,000 00 5,250 00 

5,000 00 5,125 00 

3,000 00 3,000 00 

2,000 00 2,000 00 

5,000 00 5,000 00 

3,000 00 3,000 00 

1,000 00 1,000 00 

5,000 00 5,050 00 

5,000 00 5,000 00 

5,000 00 5,000 00 

5,000 00. 5,000 00 

5,000 00 5,000 00 

5,000 00 5,000 00 

2,500 00 2,500 00 

6,500 00 6,500 00 

5,000 00 5,000 00 

1,000 00 1,000 00 

2,000 00 2,000 00 

2,000 00 2,000 00 

2,500 00 2,500 00 

5,000 00 5,000 00 

1,500 00 686 25 

1,000 00 1,100 00 

1,000 00 2,055 00 

1,000 00 1,000 00 

2,500 00 3,087 50 



School District No 1, Garfield Co., Col. bond, 
Town of Montrose water bond, 
Town of South Denver bonds, 
Montrose Company bonds, 
Rio Grande Company bonds, 
School district No. 1, Gunnison 
Salt Lake City bonds, 
Boulder City bonds, . 
Ogden City bonds, . 
Chahalis Company bonds, 
Kansas City Railroad bonds, 
Oregon Short Line Railroad bonds, 
Spokane & Palouse Railroad bonds, 
Winfield Water Company bonds, 
Wichita Water Company bonds, 
Chattanooga Water Company bonds 
Xenia Water Company bonds, 
Kingman Water & Power Company bonds, 
Streator Aqueduct Company bonds, 
Merrill City Water Works Co. bonds, 
Clinton Water Works Company bonds, . 
Sheboygan City Water Company bonds, . 
Iowa Loan & Trust Company bonds, 
Central Loan & Debenture Company bonds, 
Johnson Loan & Trust Company bonds, . 
New Hampshire Trust Company bonds, . 
Muscatine Man. & Trust Company bonds, 
Nebraska Loan & Trust Company bonds, 
Davidson Investment Company bonds, . 
Denver Consolidated Electric Company bonds 
Grand Fork Gas & Electric Company bonds, 
Windsor Land & Investment Company bonds 
15 shares Atch. Topeka & Santa Fe Railroad, 
10 " Northwestern Guarantee Loan Co., 

1 " Amoskeag Manufacturing Co , 

2 " Nashua Manufacturing Company, 
5 " Amory Manufacturing Company, 



150 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



25 shares Page Belting Company, . 
5 " Prescott Piano Company, . 
10 " Kansas City Investment Company, 
20 " Denver Consolidated Electric Co., 



Securities held as collateral for cash loans : — 

King's Company Elevated Railroad bonds, 

1 share Amoskeag Manufacturing Co , . 
25 shares Concord Manufacturing Co., . 
Personal loan, 



Par Value. 

$2,500 00 

500 00 

1,000 00 

2,000 00 



Market Value 

|2,625 00 
500 00 
1,000 00 
2,20 



$136,500 00 $139,368 75 



Market Value. Loaned Thereon. 



$t,200 00 

2,055 00 

5,000 00 

587 38 



03,000 00 

1,500 00 

2,000 00 

587 38 



$11,842 38 r,087 38 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $18,000 00 

Loans on mortgage of real estate (first liens*), 82,839 51 

Interest due or accrued thereon, . . . 1,601 59 

Stocks and bonds, as per schedule, . . . 139,368 75 

Loans on collateral security, as per schedule, 7,087 38 

Cash in the office of the company, . . . 534 89 

Cash deposited in bank, 11,408 92 

Interest due and accrued, 1,398 83 

Premiums in course of collection (gross), . 79 25 

Gross assets, 



$272,119 12 



Liabilities. 
Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, . . . . • 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due aud accrued for rent, salaries, etc , . 
Due for borrowed money, 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$8,714 02 

2,899 58 

$6,613 60 
1,762 52 

$4,851 08 

36,8i 

115 00 

2,500 00 

1,679 46 

5,279 42 



51,248 78 

$220,870 34 
200,000 00 

$20,870 34 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$107,431 00 

113,650 00 

67,600 00 



1891.] 



INS. COS. OF OTHEE STATES. 



151 



Income. 

Fire premiums outstanding Dec. 31, 1890, . $6,180 90 

Premiums on risks written or renewed, . . 56,445 36 

Total $62,626 26 

Premiums now in course of collection, . . 9,879 25 

Entire premiums collected, .... $52,747 01 
Less re-insurance and return premiums, . . 13,803 12 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Received for increased capital, . $100,000 00 



$38,943 89 
2,504 18 
7,387 39 



Gross cash income, $ 48,835 46 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Interest paid on loans, 

Cash paid for commissions and brokerage, 

for salaries of officers and emplo}"ees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$22,961 03 
4,998 45 



$17,962 58 
6,000 00 
432 83 
9,565 32 
2,579 82 
1,000 00 
1,722 49 

$39,263 04 



Risks and Premiums 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

$5,167,054 00 $64,005 84 
4,340,543 00 56,445 36 



^9,507,597 00 $120,451 20 
2,777,253 00 33,902 01 



$6,730,344 00 $86,549 19 
1,037,904 00 14,304 48 



>,692,440 00 $72,244 71 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year, 
Company's stock owned by directors, 



$316,797 00 

128,798 00 

23,116 00 

21,250 00 

6,000 00 

87,700 00 



152 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"CITIZENS' INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1836. Commenced business April, 1837.] 

Paid-up Capital, $300,000. 

EDWARD A. WALTON, President. FRANK M. PARKER, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

Lake Shore & Michigan Southern R.R. bonds, 
Union Trust Company stock, . 
National Citizens 1 Bank stock, . 
National Bank of Commerce stock, 
National Bank of the Republic stock, 
Union Pacific Railroad stock, . 
N. Y. Central & Hudson River R.R. stock, 
Consolidated Gas Company stock, . 
Oregon Short Line & Utah No. R R. bonds, 
Cleveland, Cin , Chic. & St. Lo. R.R. stock, 



Securities held as collateral for cash loans 

Butchers' and Drovers' National bank stock, 
Lake Shore & Michigan Southern R.R. bonds 
National Bank of the Republic stock, 
Pennsylvania Railroad Company stock, . 
Manhattan Life Insurance Company stock, 
Consolidated Gas Company stock, . 
New York Mutual Gas Company stock, . 
Oregon Short Line & Utah No Railroad bonds 
Northern Pacific Railroad gold bonds, 
Richmond & West Point Terminal bonds, 
Denver & Rio Grande Railroad stock, 
Wheeling & Lake Erie Railroad stock, . 
Western Union Telegraph Company stock, 
Laclede Gas Light Company bonds, 
Missouri & Pacific Railroad bonds, . 
St. Louis & Iron Mountain bonds, . 
St. Louis & Iron Mountain bonds, . 
Cairo, Arkansas & Texas Railroad bonds, 
New York, Ontario & Western R.R. bonds, 
Wheeling & Lake Erie Railroad stock, . 
St. Louis & Iron Mouutain Railroad bonds, 
Laclede Gas Light Compan}- bonds, 
Broadway & Seventh Avenue Railroad stock, 
New York Mutual Gas Company stock, . 



and Bonds. 

Tar Value. 

$150,000 00 
50,000 00 
10,000 00 
30,000 00 
10,000 00 

5,000 00 
20,000 00 
20,000 00 
20,000 00 

2,000 00 
20,0' 00 



Market Value. 
$175,500 00 

59,500 00 
77,500 00 
48,000 00 
18,500 00 
00 00 

9,600 00 
23,200 00 
20,800 00 

1,600 00 
17,000 00 



$337,000 00 $460,200 00 



Market Value. 

$1,900 00 
23,800 00 
12,750 00 
2,800 00 
2,000 00 
10,400 00? 
6,000 00 I 
30,800 00} 
16,000 00 > 
15,750 00^ 
28,800 00 ) 
11,700 00 S 
8,350 00 "I 
11,480 00 i 
46,000 00 \ 
59,620 00 j 
8,600 00^ 
8,400 00 i 
1,000 00 ) 
780 00 n 
6,020 00 i 
12,300 00 ) 
1,950 00 
720 00 



Loaned Thereon. 

$900 00 

20,000 00 

10,000 00 

2,U00 00 

1,150 00 

10,000 00 



50,000 00 



30,000 00 



100,000 00 



15,000 00 



15,000 00 



1,300 00 

■ > 00 



1327,920 00 $255,875 00 



1891.] 



INS. COS. OF OTHER STATES. 



153 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 months due, $1,767 96 

Gross assets, 

Deduct special deposits in other States, . 



31, 1891. 

$130,700 00 

76,000 00 

484 92 

460,200 00 

255,875 00 

5,874 82 

44,885 62 

5,943 88 

98,103 97 

1,205 00 



$1,079,273 21 
46,800 00 



Balance, $1,032,473 21 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding 
Dividends to stockholders unpaid, 
Due and accrued for rents, salaries, 
Commissions and brokerage, . 
Return premiums, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



risks 
etc., 



$19,815 78 
24,872 00 
10,085 00 

$54,772 78 
3,147 86 

$51,624 92 

487,510 95 

138 75 

1,500 00 

11,416 97 

700 00 

$552,891 59 
10,105 75 



542,785 84 



Surplus as regards policy-holders, $489,687 37 

Paid-up capital, 300,000 00 

Surplus over capital, $189,687 37 

* Value of lands mortgaged, $102,000 00 

Value of buildings thereon, 56,500 00 

Amount of insurance held as collateral, .... 38,700 00 



154 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



♦95,480 

14,808 22 

$80,072 11 
753,802 73 



Total $834,474 84 

Premiums now in course of collection, . . 99,871 93 



Entire premiums collected, .... $734,602 91 
Less re-insurance and return premiums, . . 104,030 32 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, 
Income from rents, 



Gross casli income, 



$630,572 59 

4,844 50 

36,226 38 

4,979 41 

$676,622 88 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$449,729 25 
15,267 87 



Gross cash expenditures, 



$434,461 38 
30,297 95 
126,947 87 
48,646 93 
19,276 45 
86,811 95 

$746,442 53 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$123,570,306 00 $999,419 92 
. 89,079,520 00 753,802 73 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



$212,649,826 00 $1,753,222 65 
. 90,415,148 00 759.477 74 



$122,234,678 00 $993,744 91 
. 4,094,978 00 36,794 28 



$118,139,700 00 $956,950 63 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the j~ear, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$12,610,614 00 

6,355,398 00 

447,113 00 

1,880,550 00 

30,000 00 

86,260 00 



1891.] 



INS. COS. OF OTHER STATES. 



155 



"CITIZENS' INSURANCE COMPANY OF MISSOURI," 
ST. LOUIS, MO. 

[Incorporated Feb. 2, 1837. Commenced business 1837.] 

Paid-up Capital, $200,000. 

J. B. M. KEHLOR, President. JOHN P. HARRISON, Secretary. 



Detailed Statement of Stocks 



North Missouri Railroad bonds, 

St Louis United Elevator Company bonds, 

Venice Elevator Company bonds, . 

City of Waco, Texas, bonds, 

City of St. Joseph, Mo., bonds, 

Advance Elevator Company bonds, . 

St. Louis Chamber of Commerce bonds, . 

American Exchange Bank stock, 



and Bonds. 

Par Value. 

$100,000 00 
84,000 00 
32,000 00 
36,000 00 
15,000 00 
10,000 00 
7,000 00 
18,000 00 



Market Value. 

$110,500 00 
86,520 00 
32,160 00 
37,530 00 
15,000 00 
10,050 00 
6,000 00 
33,840 00 



1302,000 00 $331,600 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in St Louis National Bank, 
Premiums in course of collection (gross), 
Gross assets, 



31, 1891. 

$1,000 00 

111,214 14 

2,365 00 

331,600 00 

140 00 

5,150 62 

13,015 00 



$464,484 76 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . , 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$3,480 00 
3,280 00 
2,000 00 

57,865 00 
2,810 00 



69,435 00 

$395,049 76 
200,000 00 



Surplus over capital, $195,049 76 



* Value of lands mortgaged $184,900 00 

Value of buildings thereon 90,000 00 

Amount of insurance held as collateral, .... 69,000 00 



156 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, . $11,012 84 
Premiums on risks written or renewed, . . 85,091 43 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, .... 
Less re-insurance and return premiums, . 
Net cash fire premiums received, . 
Inland premiums outstanding Dec. 31, 1890, . 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, .... 

Less re-insurance and return premiums, . 

Net cash inland premiums received, 

Interest received on mortgages, .... 

Interest and dividends received from all other sources, 



$96,104 27 
12,912 00 


$83,192 27 
1,365 03 


$ 263 00 

6,769 18 


$7,032 18 
103 00 


$6,929 18 
1,216 69 



$81,827 24 



5,71l' 49 
15,130 45 
10,480 00 



Gross cash income, $113,150 18 



Expenditures. 

Cash paid for fire losses, 

Cash paid for inland losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



Gross cash expenditures, 



$67,720 81* 
1,086 52 
12,000 00 
15,631 84 
8,000 00 
8,500 00 
6,653 83 



$119,593 00 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Inland risks written during 1891, 
Deduct risks expired and terminated, 



$8,192,246 00 
7,309,840 00 



Premiums. 

$106,460 00 
85,091 00 



$15,502,686 00 $191,551 00 
6,788,782 00 81,301 00 



$8,713,904 00 
49,400 00 



$110,250 00 
646 00 



58,664,504 00 $109,604 00 
1,157,976 00 6,769 00 
1,157,976 00 6,769 00 



1891.] INS. COS. OF OTHER STATES. 



157 



Miscellaneous. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent ), . 
Company's stock owned by directors, .... 



$3,089,529 00 
69,000 00 

761,798 00 
12,000 00 

157,500 00 



" COMMERCE INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated June 1, 1859. Commenced business June 1, 1859.] 

Paid-up Capital, $200,000. 

GARRET A. VAN ALLEN, President. E. DARWIN JENISON, Secretary. 



Detailed Statement of Stocks 



150 shares Nat'l Commerc'l B'k, Albany, N. Y., 
150 

72 
70 
50 
50 

16 ' 

25 ' 

200 ' 



First Nat'l Bank, Albany, N. Y., . 
Nat'l Exchange B'k, Albany, N. Y., 
Albany City Nat'l Bank, Albany, . 
National Bank, Cohoes, N. Y , 
South End Bank, Albany, N. Y., . 
Merchants' Nat'l B'k, Albany, N. Y., 
Holland Trust Co., New York, 
Rensselaer & Saratoga Railroad, . 



Securities held as collateral for cash loans : — 
43 shares First Nat'l Bank, Albany, N. Y., 



and Bonds. 

Par Value. 

$15,000 00 

15,000 00 

7,200 00 

7,000 00 

5,000 00 

5,000 00 

800 00 

2,500 00 

20,000 00 



Market Value. 

$47,250 00 
24,750 00 
8,280 00 
7,000 00 
6,500 00 
5,250 00 
1,600 00 
4,750 00 
34,000 00 



$77,500 00 $139,380 00 

Market Value. Loaned Thereon. 

$7,095 00 $3,900 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $75,000 00 

Loans on mortgage of real estate (first liens*), 31,900 00 

Stocks and bonds, as per schedule, . . . 139,380 00 

Loans on collateral securit} 7 , as per schedule, . 3,900 00 

Cash in the office of the company, . . . 1,689 26 

Cash deposited in bank, 88,564 42 

Interest due and accrued, 582 83 

Premiums in course of collection (gross), . 9,061 82 

Rents due and accrued, 1,079 09 

Gross assets, 



$351,157 42 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$32,450 00 
45,050 00 
44,400 00 



158 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Losses claimed and reported, 
Less re-insurance, 



Liabilities. 



Net amount of unpaid losses, . 
Unearned premiums on outstanding 
Commissions and brokerage, . 
Return premiums, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



risks, 



$17,505 00 
1,115 00 

$16,390 00 

76,052 98 

1,687 56 

821 69 



$94,952 23 

$256,205 19 
200,000 00 

$56,205 19 



Income. 
Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, etc., 



$6,256 62 
131,682 63 

$137,939 25 
9,061 82 

?128,877 43 
17,351 22 



$111,526 21 

1,459 48 

9,615 94 

6,127 01 



Gross cash income, $128,728 64 



Expenditures. 
Cash paid for fire losses, 

Deduct re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



73,065 71 
1,445 82 



Gross cash expenditures, 



$71,619 89 

12,000 00 

22,551 67 

10,486 01 

6,705 99 

8,566 26 

$131,929 82 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

.$14,581,847 00 $146,628 18 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



. 13,499,346 00 131,682 63 



. $28,081,193 00 $278,310 81 
. 12,428,918 00 119,909 88 



L5,652,275 00 $158,400 93 
1,052,563 00 9,970 61 



.$14,599,712 00 $148,430 32 



1891.] 



INS. COS. OF OTHER STATES. 



159 



Miscellaneous. 

Premiums received from organization of company, . . $4,544,762 00 

Losses paid from organization of company, .... 3,028,755 00 

Fire losses incurred during the year, 79,400 00 

Cash dividends declared from organization of company, . 792,000 00 

Dividends declared during the year (6 per cent.), . . . 12,000 00 

Company's stock owned by directors, 47,525 00 



" THE COMMONWEALTH INSURANCE COMPANY OF 
NEW YORK," N.Y. 

[Incorporated Aug. 23, 1886. Commenced business Sept. 15, 1886.] 
Paid-up Capital, $500,000. 
M. M. BELDING-, President. CHAS. S. BARTOW, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

District of Columbia bonds, 
New York City bonds, .... 
33 shares United N. J. R.R. Canal Co., . 
100 " C. C. C. & St. Louis Railroad, 
200 " N. Y. Central & H. R. R R. Co , 
200 *• Delaware & Hudson Canal Co , 
Metropolitan El. Railroad bonds, 
50 shares Merchants' National Bank, N. Y., 
25 ' 
25 ■ 
10 ' 
50 ' 
50 ' 
50 ' 



National Bank Commerce, N. Y., 
Bank of America, New York, . 
Central National Bank, New York, 
Bowery Bank of New York, 
German American Bank, New York, 
New York Produce Exchange Bank, 



and Bonds. 

Par Value. 

$70,000 00 

50,000 00 

125,000 00 

3,300 00 

10,000 00 

20,000 00 

20,000 00 

10,000 00 

2,500 00 

2,500 00 

2,500 00 

1,000 00 

5,000 00 

3,750 00 

5,"00 00 



Market Value. 

$70,000 00 

51,750 00 

128,750 00 

7,441 50 

9,850 00 

23,200 00 

24,700 00 

11,650 00 

3,825 00 

4,650 00 

5,075 00 

1,285 00 

15,500 00 

4,650 00 

5,750 00 



$330,550 00 $368,076 50 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), $261 ,000 00 

Interest due or accrued thereon, . . . 3,711 66 

Stocks and bonds, as per schedule, . . . 368,076 50 

Cash in the office of the company, . . . 887 85 

Cash deposited in bank, 17,640 37 

Interest due and accrued, 1,990 80 

Premiums in course of collection (gross), . 27,629 88 
Premiums more than 3 months due, $570 00 

Gross assets, $680,937 06 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$241,500 00 
238,000 00 
268,325 00 



160 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



$2,929 10 

23,173 20 

16,500 00 

97,419 43 

904 69 

1,500 00 

1,819 40 

1,230 57 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$26,442 28 
211,722 59 

$238,164 87 
28,199 88 

$209,964 99 
26,130 16 



$145,476 39 

$535,460 67 
500,000 00 

$35,460 67 



$183,834 83 

7,498 68 

19,283 25 



Gross cash income, $210,616 76 



Expenditures. 
Cash paid for fire losses, . 

Deduct salvage and re-insurance. 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for redemption of scrip, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$148,668 30 
32 91 



$148,635 39 
15,000 00 

1,009 50 
12,689 90 
28,881 12 

4,032 74 
15,737 44 

$225,986 09 



Fire, risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

.$20,427,940 00 $202,880 63 
. 22,964,931 00 211,722 59 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



. $43,392,871 00 $414,603 22 
. 23,618,430 00 218,983 83 



$19,774,441 00 $195,619 39 
148,350 00 1,093 78 



.$19,626,091 00 $194,525 61 



1891.] INS. COS. OF OTHER STATES, 



1(31 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (3 per cent ), . 

Company's stock owned by directors, ... 



,041,877 00 

610,589 00 

170,286 00 

51,000 00 

15,000 00 

85,500 00 



"THE CONCORDIA FIRE INSURANCE COMPANY OF 
MILWAUKEE," MILWAUKEE, WIS. 

[Incorporated March 7, 1870. Commenced business March 22, 1870 ] 

Paid-up Capital, $200,000. 

J. H. INBUSCH, President. GUSTAV WOLLAEGER, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

Cook County, 111 , bonds $5,',00 00 

Chicago, 111., city bonds, 40,000 00 

Washington County, 111., bonds, . . . 15,000 00 

Cincinnati city bonds, 40,000 00 



Market Value. 

$5,i >00 00 
40,900 00 
15,000 00 
42,600 00 



$1'j0,«,00 00 $103,500 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), §428,355 00 

4,247 66 

103,500 00 

3,703 83 

42,428 16 

1,341 67 

49,209 81 

823 22 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, , . 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$5,826 56 

9,081 14 

3,000 00 

295,689 69 

3 00 

9,841 96 



$633,609 35 



323,412 35 



$310,167 00 
200,00C 00 



Surplus over capital, 



10,167 00 



* Value of lands mortgaged $646,850 00 

Value of buildings thereon, 563,850 00 

Amount of insurar.ee held as collateral, .... 26', 525 00 



162 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, $168,415 72 

Premiums now in course of collection, . . 49,209 81 

Entire premiums collected, .... §419,20591 
Less re-insurance and return premiums, . . 75,619 82 

Net cash fire premiums received, . . . $343,586 09 

Interest received on mortgages, 22,246 08 

Interest and dividends received from all other sources, . . 8,525 00 



$40,153 29 
428,262 43 



Gross cash income, $374,357 17 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$180,414 20 
12,656 84 



$167,757 36 
11,997 
77,332 71 
23,327 50 
7.724 52 
31,117 37 



$319,256 46 



Eisks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . . .$42,518,130 00 $536,927 48 



Fire risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



. 34,630,253 00 428,262 43 



. £77, 148,383 00 $965,189 91 
. 29,290,509 00 371,586 04 



. $47,857,874 00 $593,603 87 
. 2,520,876 00 32,897 98 



. $45,336,998 00 $560,705 89 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, . 



£3,096,619 00 

1,684,132 00 

176,677 00 

149,667 00 

12,000 00 

150,300 00 



1891.] 



INS. COS. OF OTHER STATES. 



1()3 



"CONNECTICUT FIRE INSURANCE COMPANY," HARTFORD, 

CONN. 

[Incorporated June, 1850. Commenced business July, 1850.] 

Paid-up Capital, $1,000,000. 

J. D. BROWNE, President. CHARLES R. BURT, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Dominion of Canada bonds, .... $100,000 00 $105,000 00 

State of Georgia bonds, 25,000 00 26,625 00 

City of Dallas, Texas, bonds, .... 12,00000 12,36000 

City of East Portland, Oregon, bonds, . 25,000 00 28,500 00 

City of Erie, Pa., bonds, 10,000 00 10,300 00 

City of Hartford bonds, 15,000 00 15,000 00 

City of Middletown bonds, .... 20,00000 21,20000 

City of New Britain bonds, .... 15,00000 15,75000 

City of Riehmond, Va., bonds, .... 50,000 00 50,000 00 

City of Urbana, O., bonds, .... 15,00000 15,90000 

Mankato, Minn., city bonds, . . . . 15,000 00 15,000 00 

School Dist. No. 24, Marion Co., Ore., bonds, . 13,000 00 14,170 00 

Toledo, O , city bonds, 10,000 00 10,500 00 

Coffey Co., Kansas, bonds, .... 10,000 00 10,000 00 

Wapello County, la., bonds, .... 8,000 00 8,000 00 

Minneapolis Gas Light Co. bonds, . . . 25,000 00 26,250 00 

Black Rocks & Salisbury Beach St. R.R. bonds, 10,000 00 9,500 00 

Broadway & Seventh Avenue R.R. bonds, . 20,000 00 21,200 00 

Chicago, Burlington & Quincy Railroad bonds, 13,900 00 14,378 00 

Cin., Dayton & Iron ton Railroad bonds, . . 15,000 00 14,325 00 

Dayton & Michigan Railroad bonds, . . 25,000 00 26,250 00 

Detroit, Lansing & Northern Railroad bonds, . 2,000 00 2,000 00 

Grand Rapids, Detroit & Lansing R.R. bonds, 3,000 00 3,000 00 

Michigan Central Railroad bonds, . . . 20,000 00 24,000 00 

New York & New England Railroad bonds, . 60,000 00 61,2oO 00 

New York, New Haven & Hartford R.R. bonds, 40,000 00 50,800 00 

Quincy, Alton & St. Louis Railroad bonds, . 49,000 00 49,000 00 

West Chicago Street Railroad bonds, . . 10,000 00 10,000 00 

Helena, Mont., sewerage bonds, . . . 17,000 00 17,595 00 

Central Safety Deposit Co., Chicago, bonds, . 25,000 00 25,625 00 

Chamber of Com. Safety Vault Co.,Chic, bonds, 10,000 00 10,200 00 

Traders' Safe & Trust Co., Chicago, bonds, . 10,000 00 10,000 00 

Northwestern Telegraph Company bonds, . 10,000 00 11,200 00 

142 shares Boston & Albany R.R. Co., . . 14,200 00 25,596 00 

690 " Chicago, Burl. & Quincy RR, . 69,000 00 74,520 00 

150 " Chicago & Northwestern Railroad, 15,000 00 17,250 00 

220 " Chicago, Rock Island & Pacific R.R., 22,000 00 19,580 00 

200 " Detroit, Lansing & Northern R.R., . 20,000 00 8,000 00 

300 " N. Y. Central & Hudson River R.R., 30,000 00 35,400 00 

300 " N.Y., New Haven & Hartford R.R., 30,000 00 67,500 00 

300 " Pitts., Fort Wayne & Chicago R.R. , 30,000 00 45, l J00 00 

310 " Imp. & Traders' NatU Bank, N. Y., 31,000 00 155,000 00 



164 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



100 shares JEtna Xational Bank, Hartford, 

93 " Charter Oak Nat'l Bank, Hartford, . 

125 " Farm cV: Mec Nat'l B"k, Hartford, . 

185 " First National Bank, Hartford, 

300 " Hartford Xational Bank, Hartford, 

100 " Mercantile Nat'l Bank, Hartford, . 

412 " National Exchange Bank, Hartford, 

150 " Phoenix National Bank, Hartford, . 

45 " Conn. Trust & Safe Dep , Co., H't *<1, 

167 " First Nat'l B*k, Minneapolis, Minn , 

11 " Second Natl Bk,Ne\v Haven,Conn., 

600 " Northwestern Telegraph Company, 



Par Value. 

$10,000 00 

9,300 00 

12,500 00 

1S500 00 

30,000 00 

10,000 00 

20,600 00 

15,000 00 

4,500 00 

16,700 00 

1,10 

30,000. 00 



Market Value. 

111,60 
9,4fi 

13,375 00 
19,240 00 
45,00 

00 
25,956 00 
18,75 

25,06 

1,870 00 



81,147,300 00 $1, 408,101 00 



Securities held as collateral for cash loans : — 
Pratt & Whiting Co., Hartford, stock, . 



Market Value. Loaned Thereon. 

${5,400 00 $1,300 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
( lash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $2,4743*3 32 



$99,600 00 
779,300 00 

1,408,101 00 

4,300 00 

I 67 

1 85 

225,044 80 



o,968 32 
232,125 00 



Liabilities. 
Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc., . 

State and local taxes, .... 

Commissions and brokerage, . 

Return premiums, etc , 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$153,220 2S 

15,396 04 

913,656 24 

21,038 49 

4.220 84 

21,009 25 

24,488 78 

$1,153,032 92 
73,250 33 



1,079,782 59 
. $1,895,060 73 



1,000,000 00 



Surplus over capital, $395,06 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,024,775 00 
981,750 00 
72-2,400 00 



1891.] 



INS. COS. OF OTHER STATES. 



165 



Income. 

Fire premiums outstanding Dec. 31, 1890 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$172,202 88 
1,539,611 61 

$1,711,844 49 
225,044 80 

$1,486,799 69 
259,804 61 



$ 1,226,995 08 
48,316 71 
65,900 25 



. $1,341,212 04 



Expenditures. 

Cash paid for tire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 



$761,101 80 

80,000 00 

234,157 73 

102,440 07 

28,438 48 

99,620 77 

$1,305,758 85 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . $125,165,861 00 $1,539,287 28 
Fire risks written during 1891, . . .127,155,488 00 1,539,64161 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$252,321,349 00 $3,078,928 89 
. 112,501,555 00 1,341,780 96 



$139,819,794 00 $1,737,147 93 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent ), . 
Company's stock owned by directors, . 



$13,579,183 00 

7,615,768 00 

804,920 00 

1,665,000 00 

80,000 00 

76,300 00 



1G6 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"CONTINENTAL INSURANCE COMPANY. NEW YORK, N. Y. 

[Incorporated November, 1852. Commenced business January, 1853.] 

Paid-up Capital, $1,000,000. 

F. C. MOORE, President. EDWARD LANNItfG, Secretary. 



Detailed Statement of Stocks 

250 shares American Exchange Nat'l Bank, 
69 
50 
1200 

250 

350 

100 

382 

200 

500 
1000 

500 
1770 

256 
1000 

5000 " Pitts , McKees ft Youghiogheny R.R., 
1000 



Bank of America, . 
Bowery Bank, 
Mechanics 1 National Bank, 
Mercantile National Bank, 
Merchants' National Bank, 
Nassau Bank,. 
Phenix National Bank, . 
Central Trust Company, 
Chic, St PI, Minn. ft Omaha R.R. 
Clcv., Cin , Chic. & St Louis R.R. 
Lake Shore & Mich Southern R.R. 
New York ft Harlem Railroad, 
N. Y.. N. II & Hartford Railroad 
Pennsylvania Railroad, 
Pitts , McKees ft Youghiogheny R 
United N. J. R.R. and Canal Co , 
Atlantic & Gulf Railroad bonds, 
Cedar Rapids, la Falls ft N. W. Ry bonds, 
Central Railroad and Bank'g Co. of Ga. bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Chicago, Mil & St. Paul R*y Company bonds 
Chicago & North Western R'y Co bonds, 
Chicago, St. Paul, Minn ft Omaha R'y bonds, 
Columbia ft Greenville Railroad bonds, . 
Elmira, Cortland ft Northern Railroad bonds 
Erie Railway Company bonds, 
Georgia, Carolina & Northern R R. bonds, 
Grand Rapids. Lansing & Detroit R.R. bonds 
Indiana, Bloomington & Western R.R. bonds, 
Kentucky Central Railroad bonds, . 
Midland Railroad of New Jersey bonds, . 
Mil., Lake Shore ft Western Railroad bonds, 
Morris & Essex Railroad bonds, 
New York Cent cv; Hudson River R.R. bonds 
N. Y.. Lackawanna ft Western R R. bonds, 
New York. Lake Erie ft Western R.R. bonds 
Raleigh & Augusta Air Line R.R. bonds, 
Richmond & Danville Railroad bonds, . 
St. Paul, Minn. & Manitoba Railroad bonds, 
Western Union Telegraph Company bonds, 



and Bonds. 

Par Value. 

$25,000 00 

6,900 00 

5,000 00 

30,000 00 

,000 00 

17,500 00 

5,000 00 

7,640 00 

20,000 00 

60,000 00 

100,000 00 
50,000 00 
88,500 00 
25,600 00 
50,000 00 
,000 00 

100,000 00 
44,000 00 
50,000 00 

100,000 00 

100,000 00 
50,000 00 
50,000 00 

100,000 00 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 

135,000 00 
50,000 00 
50,000 00 

100,000 00 
50,000 00 
50,000 00 

' 50,000 00 

50,000 00 

5(1,000 00 

.000 00 

100,000 00 

100,000 00 



Market Value. 

$37,500 00 
13,800 00 
15,000 00 
57,000 00 
55,000 00 
26,250 00 
8,000 00 
9,932 00 

240,000 00 
55,000 00 
98,000 00 
61,500 00 

221,250 00 

57,600 00 

".000 00 

300,000 00 

225,000 00 
48,400 00 
50,000 00 

101,000 00 

101,000 00 

57,500 00 

",500 00 

120,000 00 
50,000 00 
55,000 00 
67,500 00 
25,000 00 
47,500 00 

155,250 00 
41,000 00 
58,000 00 

123,000 00 
67,500 00 
54,000 00 
62,500 00 
55,000 00 
55,000 
55,000 00 

115,000 00 

100,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



167 



Portland, Oregon, water bonds, 
Richmond, Virginia, bonds, 
Alabama State bonds, 
Georgia State bonds, 
South Carolina State bonds, 
United States bonds, 
New York City bonds, 



Par Value. 

$50,000 00 
50,000 00 
10,000 00 
25,000 00 
12,000 00 

443,000 00 
5,000 00 



Market Value. 

$55,000 00 
50,000 00 
10,000 00 
27,500 00 
11,400 00 

523,505 00 
5,000 00 



$3,005,140 00 $3,941,887 00 



Summary of Assets Dec. 31, 1891.* 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liensf), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank 

Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, .... 
Rents due and accrued, .... 
Premiums more than 3 months due, $110,956 01 

Gross assets,:}: 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 



Losses claimed and reported, 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Dividends to stockholders unpaid, 
Commissions and brokerage, . 
Contingent reserve, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



$734,360 00 

155,235 00 

3,228 40 

3,941,887 00 

28,756 18 

423,478 97 

33,154 20 

293,825 01 

184,267 78 

8,592 17 



$5 806,784 71 
132,500 00 

$5,674,284 71 



$261,483 91 
29,370 00 

$290,853 91 
16,568 14 

$274,285 77 

2,636,775 30 

30,334 00 

6,188 28 

651 00 

62,789 12 

150,000 00 

$3,161,023 47 
46,261 93 



3,114,761 54 



* The company holds, al.*o, instalment premium notes to the amount of $1,231,314 47, which 
do not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value is attached to them would necess xrily be counterbalanced by the addition of an 
exactly equal amount to the re-insurance liability, the entire sum consisting of " unearned pre- 
miums." 

j Value of lands mortgaged, $209,9.">0 00 

Value of buildings thereon, 213,950 00 

Amount of insurance held as collateral, .... 18S.550 00 

X Including $GJ0,000 special reserve fuud, held unler New York law. 



168 



FIRE, MARINE, AND FIRE-MAKIXE [Dec 31, 



Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



. $2,550,523 17 
. 1,000,000 00 



. fi,559,623 17 



Income. 

Fire premiums outstanding Dec. SI, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mort^a^es, 

Interest and dividends received from all oth< 

Income from rents, .... 



er sources, 



Gross cash income, 



ExrENDITCRES 



Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash, paid *f or redemption of scrip, . 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employ 
for State and local taxes, 
for incidentals, . 



Gross cash expenditures, . 



$349,854 51 
2,807,336 32 

$3,157,190 83 
478,092 79 

$2,67 

269329 79 



$2,409,268 2o 

206,510 82 
36,399 16 

?2,660,543 80 



$1,473,524 
60,617 



48 
39 




$1,412,907 09 
■ 1 28 
140,861 00 
743 00 
48 00 
512,190 50 
256,495 11 
58,692 30 
200,936 32 

. $2,592,604 60 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

£579,440,647 00 $4,964,100 29 
. 334,452,338 00 2,807,336 32 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$913,892,985 00 $7,771,436 61 
.371,210,594 00 2,702.969 51 



$542,682,391 00 £5,068,407 10 
. 7,824,162 00 73,256 79 



Net amount in force, 



$534,858,229 00 $4,995,210 31 



1891.] 



INS. COS. OF OTHER STATES. 



169 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (14 per cent ),. 
Company's stock owned by directors,. .... 



$49,547,863 00 
27,626,927 00 
1,456,277 00 
4,890,247 00 
140,000 00 
171,600 00 



"THE DELAWARE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 10, 1835. Commenced business Aug. 6, 1835.] 

Paid up Capital, $702,875. 

TATNALL PAULDING, President. HENRY LYLBURN, Secretary. 



Detailed Statement of Stocks and Bonds. 



Philadelphia city bonds, .... 
Lehigh Valley Railroad bonds, 

St. Louis city bonds, 

American Steamship Company bonds, 
Newark, N J., city bonds, 
Camden, N. J., city bonds, 
Springfield, 111., city bonds, 
Pennsylvania Railroad stock, . 
Philadelphia & Reading Railroad bonds, 
Allentown Terminal Railroad bonds, 
Pennsylvania & New York Canal Co. bonds, 
Philadelphia, Wil. & Bait. RR. certificates, 
Tennessee State bonds, .... 
Philadelphia & Reading Railroad car trust, 
Pitts , Youngstown & Ashtabula RR. bonds, 
Baltimore Belt Railroad bonds, 
Northern Pacific Railroad bonds, 
Atlantic Mutual Insuranco Company scrip, 

Securities held as collateral for cash loans 

100 shares Pennsylvania Steel Company, 

100 " Northern Pacific Railroad, 

200 " Pennsylvania Railroad, . 

100 " Atch.,Topeka & Santa Fe RR, 

623 " Lehigh Valley Railroad, 

600 " Baltimore & Ohio Railroad, . 

100 " Northern Pacific Railroad, 

400 " Pennsylvania Railroad, . 

300 " Philadelphia & Reading Railroad, 



Par Value. 

$85,000 00 

125,000 00 

100,000 00 

40,000 00 

75,(00 00 

30,000 00 

25,000 00 

25,000 00 

100,000 00 

50,000 00 

50,000 00 

30,000 00 

36,500 00 

40,000 00 

40,000 00 

40,000 CO 

7,000 00 

140 00 



Market Value. 

$105,595 00 

126,250 00 

105,000 00 

42,60 ) 00 

73,500 00 

30,000 00 

27,500 00 

28,500 00 

103,500 00 

50,000 00 

50,000 00 

30,000 00 

26,645 00 

40,000 00 

41,600 00 

41,000 00 

7,140 00 

140 00 



$898,640 00 $928,970 00 



Market Value. Loaned Thereon. 



$14,900 00 ^ 
7,075 00 ; 



11,400 00 
4,500 00 j 

31,484 38 

51,000 00 
2,600 00 > 

22,800 00 j 
6,000 00 3 



> $30,000 00 



25,000 00 
40,000 00 

25,000 00 



$151,759 38 $120,000 00 



170 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Rents due and accrued, .... 

Re-insurance, 

Bills receivable, 

Gross assets, 



$145,000 00 

137,200 00 

1,525 05 

928,970 00 

120,000 00 

3,11 

58,234 44 

285 56 

106,857 94 

23,424 28 

316 67 

3,336 37 

8,621 24 



$1,536,917 23 



Liabilities 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



$33,160 41 

63,809 00 

500 00 

258,995 i '7 

74,606 44 

4,110 00 

3,902 10 

1,683 75 

12,296 66 



453.063 43 



. $1,083,853 80 
702,875 00 



Surplus over capital, $380,978 80 



Income. 



Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 


$36,376 87 
445,070 26 


Total, 

Premiums now in course of collection, . 


. $481,447 13 
73,036 22 


Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 


. $-108,410 91 
94,818 14 

^^13 50° 77 




Amouut of iusurance held as collateral, . 





1891.] 



INS. COS. OF OTHER STATES. 



171 



Marine premiums outstanding Dec. 31, 1890, 
Same not collected, ..... 

Net collected, 

Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposit received for perpetual fire risks, 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for redemption of scrip, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



Risks and Premiu 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$57,584 56 
538 56 



$57,046 00 
344,683 29 



$101,729 29 
57,246 00 



$344,483 29 
42,481 04 

$302,002 25 

4,630 71 

sources, . . 46,298 96 

2,300 03 



. $3,481 85 



$668,824 72 



ft 186,585 58 
15,886 46 



$185,133 80 
21,415 10 



$170,699 12 



163,718 70 
105,431 25 
22,325 00 
70,810 38 
68,692 43 
15,182 45 
79,398 93 



$1,856 50 



,258 26 



MS. 

Premiums. 

$21,799,322 00 $239,134 91 
41,248,358 00 445,070 26 



$63,047,680 00 
26,974,293 00 



$684,205 17 
273,037 78 



f36,073,387 00 
1,996,902 00 



$411,167 39 
19,890 03 



Net amount in force, ft34,076,485 00 $391,277 36 

Perpetual risks in force (not included above), 3,081,987 00 78,533 10 



172 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



. $6,27.5,305 00 
. 41,706,079 00 



Premiums. 

$12,155 25 
314,683 29 



.$48,041,384 00 $386,838 54 
. 44,192,516 00 343,017 38 



. $3,848,868 00 $13,791 16 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year, . . . . 
Company's stock owned by directors 



827,151,879 00 

31.524 "J 

199,284 00 

188,735 00 

2,367,412 00 

105,431 00 

45.525 00 



"THE DETROIT FIRE AND MARINE INSURANCE COMPANY. 

DETROIT, MICH. 

[Incorporated Feb. 1, 1866. Commenced business March 14, 1866.] 

Paid up Capital, $400,000. 

WM. A. MOORE, President. C. L. ANDREWS, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

Au Sable, Mich., village bonds, . . . $8,000 00 

Constantine Mich , village bonds, . . . 2,500 00 

Detroit sewer bonds, 500 00 



Market Value. 

$8,00o 00 

00 

500 00 



Securities held as collateral for cash loans : — 
100 shares Peninsular Savings Bank, 



$11,000 00 $11,000 00 

Market Value. Loaned Thereon. 

$11,000 00 $10,000 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents, re-insurance, etc , . 
Premiums more than 3 months due, $4,711 35 
Gross assets, 



31, 1891. 

$69,709 29 

877,183 72 

20,989 45 

11,000 00 

10,000* 00 

3,683 03 

28,775 73 

384 82 

21,477 09 

2,653 44 

10,100 32 



$1,058,956 89 



* Value of lands mortgaged $1,093,576 00 

Value of buildings thereon 1,044,627 00 

Amount of insurance held as collateral, .... 609,75700 



1891.] 



INS. COS. OF OTHER STATES. 



173 



Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums, . . . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$2,534 30 

9,946 00 

135,629 67 

299 20 

3,067 66 

1,203 77 



$152,680 60 

$906,276 29 
400,000 00 

$506,276 29 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 
Less re-insurance and return premiums, . 
Net cash marine premiums received, 
Interest received on mort^a^es, 

DO » 

Interest and dividends received from all other 
Income from rents, etc., .... 



Gross cash income, 



$26,907 68 
225,316 44 



$252,224 12 
29,096 78 


$223,127 
35,452 


34 
06 


$4,331 05 
41,809 20 


$46,140 25 
2,745 10 


$43,395 
30,000 


15 
34 



sources, 



$187,675 28 



13,394 81 

53,829 13 

7,680 53 

1,469 45 

$264,049 20 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$118,502 04 

4,717 56 

41,000 00 

27,254 43 

20,404 78 

16,382 15 

15,313 61 



Gross cash expenditures, 



$243,574 57 



174 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 

Marine risks outstanding Dec. 31, 1890, 

Marine risks written during 1891, . 



Total, 

Deduct risks expired and terminated, 



.$21,985,828 00 

. 20,238,057 00 

. $42,223,885 00 

. 19,278,457 00 

.$22,945,428 00 

. $120,000 00 

. 4,246,481 00 



$4,366,481 00 
4,366,481 00 



Premiums. 

$256,190 64 
225,31* 



$481,507 27 
214,955 50 

$266,551 77 
$4,655 75 

41,80'J 

$46,464 95 
46,464 95 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (12^ per cent.), 
Company's stock owned by directors, 



$5,055,659 00 

2,622,528 00 

124,571 00 

3,349 00 

611,000 00 

50,000 00 

97,840 00 



"EQUITABLE FIRE AND MARINE INSURANCE COMPANY," 

PROVIDENCE, R. I. 

[Incorporated May, 1859. Commenced business September, 1S60.] 

Paid-up Capital, $300,000. 

FRED. W. ARNOLD, President. JAMES E. TILLINGHAST, Secretary. 



Detailed Statement of Stocks 



500 shares Old National Bank, Providence, 

340 

200 

30 
100 
100 
200 
200 
100 
100 
100 

50 

50 



Natl Bank of Commerce, Prov., 
American National Bank, Prov., 
Third National Bank, Providence, 
Fourth National Bank, Providence 
First National Bank, Warren, 
N. Y. Central & Hud. River R.R., 
Illinois Central Railroad, 
Chic Rock I. & Pacific Railroad, 
Chic , Burl. & Quincy Railroad, 
Mich. Central Railroad, . 
Rhode Island & Mass. Railroad, 
Wells, Fargo & Company Express, 



Union Pacific Railroad bonds, 



and Bonds. 

Par Value. 

$50,000 00 

17,000 00 

10,000 00 

3,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

25,000 00 



Market Value. 

$58,000 00 

18,870 00 

8,700 00 

3,000 00 

12,100 00 

9,000 00 

23,600 00 

21,800 00 

8,900 00 

10,900 00 

11,000 00 

5,000 00 

7 : 100 00 

28,010 00 



1891.] 



INS. COS. OF OTHER STATES. 



175 



New York Elevated Railroad bonds, 
Pawtuxet Valley Railroad bonds, 
Quincy, Alton & St. Louis Railroad bonds, 
Milwaukee City Railroad bonds, 
Kansas City Water Works bonds, . 
Chic. Burl. & Quincy Railroad bonds, 



Securities held as collateral for cash loans 
20 shares Mechanics National Bank, Prov., 



Par Value. 

$28,000 00 

22,000 00 

10,000 00 

5,000 00 

10,000 00 

1,000 00 



Market Value 

$31,920 00 

26,400 00 

10,400 00 

5,000 00 

10,000" 00 

1,000 00 



$281,000 00 $310,700 00 



Market Value. Loaned Thereon. 

$1,140 00 $900 00 



Summary of Assets Dec. 31, 1891. 

$129,900 00 

99,183 33 

961 00 

310,700 00 

900 00 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 



Cash in the office of the company, . 
Cash deposited in Old National bank, 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 months due, $653 98 
Gross assets,f 



536 01 

22,943 63 

34,389 10 

1,437 00 



$600,950 07 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and re-insurance, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$8,526 00 

26,835 00 

8,268 00 

191,525 70 

190 00 

500 00 

1,250 00 

3,791 36 

850 00 



Surplus over capital, . 



241,736 06 

$359,214 01 
300,000 00 

$59,214 01 



* Value of lands mortgaged, ." $129,550 00 

Value of buildings thereon, 154,600 00 

Amount of insurance held as collateral, . . . 94,540 00 

f Including $35,000 special reserve fund held under Rhode Island law. 



176 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, . . 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all oth 

Income from rents, 



er 



Gross cash income, . 

Expenditures 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . 

for expenses on real estate, 

Gross cash expenditures, . 



$35,401 85 

353,382 09 

$388,783 94 

34,160 75 



$354,623 19 
57,164 87 

$638 68 
7,1 U 39 

$7,75:; 
228 35 

$7,524 72 
2.464 79 



sources, 



$201,354 47 
1,655 01 

$3,595 08 
2.749 13 



$297,458 32 



.9 93 

7 44 

16,811 33 

" 7 

$331,915 72 



$199,699 46 



845 95 
12.303 50 
60,441' 
23,145 86 
10,589 21 
24,380 41 
3,01- 32 

$334,425 71 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . . $30,547,766 00 $346,477 04 



Fire risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force at end of }'ear, . 
Deduct amount re-insured, 

Net amount in force, . 



32,297,266 00 353,382 09 



$62,845,032 00 $699,859 13 
928,120 00 317,787 29 



.$33,916,912 00 f 382,071 -4 

. 1,156,659 00 10,880 95 



$32,760,253 00 $371,190 89 



1891.] 



INS. COS. OF OTHER STATES. 



177 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$141,390 00 
1,158,180 00 



. $1,302,570 00 
. 1,261,601 00 



$37,969 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 per cent.), . 
Company's stock owned by directors, . 



Premiums. 

$1,385 76 

7,114 39 



18,500 15 
7,844 97 



155 18 



$1,215,733 00 

2,781,958 00 

235,671 00 

834 00 

506,000 00 

12,000 00 

70,800 00 



"THE FARMERS' FIRE INSURANCE COMPANY," YORK, PA. 

[Incorporated April 6, 1853. Commenced business May 16, 1853.] 
[A Mutual Company.] 

DAVID STRICKLE R, Secretary. 



G. EDWARD HERST, President. 



Detailed Statement of Stocks 

York, Pa., city bonds, 

Northern Central Railroad bonds, . 

Pennsylvania Railroad bonds, .... 

Philadelphia & Reading Railroad bonds, 

Phi la., Wil. & Bait. Railroad bonds, 

Sham. Sun. & Lewisburg Railroad bonds, 

United States bonds, ..... 

Philadelphia & Reading Railroad bonds, . 

Lehigh Valley Railroad bonds, . . 

Central Market House Co., York, bonds, . 

York County, Pa., bonds, 

12 shares Farmers' National Bank, York, 
50 " York County National Bank, York, 
20 

600 

731 

200 



York County National Bank, Yo 
First National Bank, York, 
York National Bank, York, 
York Water Company bonds, 
Pennsylvania Railroad, . 



and Bonds. 

Par Value 

$11,000 00 
25,000 00 
20,000 00 
15,000 00 
10,000 00 
10,000 00 
35,000 00 
20,000 00 
25,000 00 
10,000 00 
15,000 00 
1,2.-0 00 
1,000 00 
2,000 00 
15,000 00 
18,275 00 
10,000 00 



Securities held as collateral for cash loans : — 

4 shares York, Pa., Gas Company, . 
Mortgage assigned, 



Market Value. 

$11,000 00 
27,825 00 
26,025 00 
16,912 50 
10,000 00 
10,350 00 
40,862 50 
17,200 00 
25,625 00 
10,000 00 
15,000 00 
2,100 00 
2,425 00 
4,160 00 
26,400 00 
60,673 00 
11,425 00 



$243,475 00 $317,983 00 

Market Value. Loaned Thereon. 

$300 00 $300 00 

2,000 00 1,000 00 



$2,300 00 $1,300 00 



178 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31. 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 

Interest accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, . 

Cash deposited in bank, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Premiums more than 3 months due, $ 847 93 
Gross assets, 



$36,500 00 
165,251 95 

2,509 43 

317,983 00 

1,800 00 

43,167 80 

66 53 

32,909 00 

68 31 



- $599,756 02 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
State and local taxes, .... 
Commissions and brokerage, . 

Miscellaneous, 

Gross liabilities, .... 



$12,619 00 

26,183 00 

309,535 62 

4,804 06 

3,000 00 

•9 91 

299 22 



363,340 81 



Surplus, $236,415 21 



Income. 

Fire premiums outstanding Dec 31, 1890, 
Premiums on risks written or renewed, . 



Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mm tgages, 

Interest and dividends received from all other 

Income from rents, .... 

Additional premiums, 

Deposits received for perpetual fire risks, 



$25,964 69 
392,434 31 

$418,399 00 
33,756 93 

$384,642 07 
44,143 84 



sources, 



$340,498 23 

10,506 96 

14,986 31 

320 00 

1,548 59 



$118 75 



Gross cash income, $367,860 09 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$279,425 00 

255,125 00 

53,275 00 



1891.] 



IXS. COS. OF OTHER STATES. 



179 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for incidentals, .... 

Gross cash expenditures, .... 



$256,281 22 
1,840 72 



$254,440 50 
71,434 35 
23,993 14 
29,768 75 

$379,636 74 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . .$47,786,894 00 $580,338 15 

. 32,005,953 00 392,434 31 



Fire risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$79,792,847 00 $972,772 46 
29,125,303 00 356,850 70 



. $50,667,544 00 
310,784 00 



15,921 76 
3,325 37 



.$50,356,760 00 $612,596 39 
Perpetual risks in force (not included above), 166,675 00 5,162 17 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 



. $6,849,111 00 

. 4,359,977 00 

271,242 00 



" FARRAGUT FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Jan. 29, 1872. Commenced business Jan. 30, 1872.] 

Paid-up Capital, $200,000. 

JOHN E. LEFFINGWELL, President. SAMUEL DARBEE, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

District of Columbia bonds, 

New York, Ontario & Western Railroad bonds 

Fourth National Bank stock, 

New York Produce Exchange Bank stock, 

Clinton Bank stock, 

Long Island Loan and Trust Company stock, 
Brooklyn Gas Light Company stock, 
People's Gas Light Company stock, . 
Citizens' Gas Light Company stock, 



Par Value. 

$60,000 00 

60,000 00 

50,000 00 

10,000 00 

5,2U0 00 

6,000 00 

25,000 00 

11,250 00 

5,000 00 

4,000 00 



Market Value. 

$70,800 00 

69,000 00 

56,750 00 

17,250 00 

6,240 00 

6,900 00 

55,000 00 

18,500 00 

4,000 00 

3,680 00 



$236,450 00 $303,120 00 



180 FIRE, MARINE, AND FIRE-MAIUXE [Dec. 31, 



Securities held as collateral for cash loans : — 

Central National Bank stock, .... 
Mahoning Coal Railroad stock, 

Clinton Bank stock, 

Cleveland, Cin , Chic. & St. Louis R.R. stock, . 
Lake Shore & Michigan Southern R.R. stock, 
Globe Stationery and Printing Co. stock, 



Market Value. Loaned Thereon. 



$3,175 00 

11,250 00 

12,050 00 

483 75 

615 00 

1,500 00 



$2,500 00 

6,000 00 
9,000 00 

1,600 00 



$29,673 75 $19,100 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $ 6,000 00 

Loans on mortgage of real estate (first liens*), 20,500 00 

Interest accrued thereon, 3C0 00 

Stocks and bonds, as per schedule, . . . 303,120 00 

Loans on collateral security, as per schedule, . 19,100 00 

Cash in the office of the company, . . . 671 19 

Cash deposited in bank, 1-1,493 06 

Interest clue and accrued, .... 24! 

Premiums in course of collection (gross), . 29,256 46 

Rents due and accrued, 40 00 

Office furniture and fixtures, . . $4,000 00 
Premiums more than 3 months clue, 1,965 99 

Gross assets, 



$393,722 21 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Due for borrowed money, 
State and local taxes, 
Commissions and brokerage, . 

Interest, 

Gross liabilities, except capital, 



Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



$3,972 57 

6,398 50 

1,660 45 

121,662 66 

2,108 33 

10,000 00 

677 69 

6,023 66 

122 22 



152,626 08 

£241,096 13 
200,000 00 

$41,096 13 



* Value of land mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$28,500 00 
12,000 00 
11,300 00 



1891.] 



INS. COS. OF OTHER STATES. 



181 



Income, 

Fire premiums outstanding Dec 31, 1890, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Enjtire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., . 



Gross cash income, 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 



$27,412 89 
407 12 



$27,005 77 
193,039 59 



$220,045 36 
31,222 45 



$188,822 91 
23,850 57 



sources, 



$135,166 16 
5,381 23 



$164,972 34 

1,312 50 

13,575 07 

486 95 



$180,346 86 



$129,784 93 
20,000 00 
31,526 61 
23,813 00 
4,785 59 
17,887 24 



$227,797 37 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$29,731,671 00 
21,170,850 00 



$50,902,521 00 
22,050,929 00 



$28,851,592 00 
1,270,370 00 



rreraiuras. 

$237,296 86 
193,039 59 



$430,336 45 
181,586 85 



$248,749 60 
9,014 09 



$27,581,222 00 $239,735 51 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$3,023,736 00 

1,407,403 00 

137,236 00 

454,000 00 

20,000 00 

60,400 00 



182 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"FIRE ASSOCIATION OF PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated March 17, 1820. Commenced business Sept. 1, 1817.] 

Paid-up Capital, $500,000. 

E. C. IRVIN, President. BEXJ. T. HERKN'ESS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Philadelphia city bonds, $472,900 00 $ 55 1 

Camden city bonds, 1,500 00 5 00 

Clay Centre city bonds, 8,000 00 8,000 00 

Richmond city bonds, 25,000 00 30,000 00 

Millville city bonds 6,000 00 6,600 00 

Cincinnati city bonds, 125,000 00 157,600 00 

Altoona city bonds, 54,500 00 54,500 00 

Georgia State bonds, 25,000 00 26,<00 00 

Northern Central Railroad bonds, . . . 168,000 00 189,840 00 

Catawissa Railroad bonds, .... 10,000 00 11,800 00 

Lehigh Valley Railroad bonds, . . . 132,000 00 170,200 00 

Shamokin Valley & Pottsville Railroad bonds, 20,000 00 23,800 00 

Philadelphia & Erie Railroad bonds, . . 100,000 00 113,000 00 

Belt Railroad and Stockyards bonds, . . 50,000 00 56,000 00 

Louisville & Nashville Railroad bonds, . . 91,000 00 104,650 00 

Texas & Pacific Railroad bonds, . . . 13,000 00 13,910 00 

Camden & Atlantic Railroad bonds, . . 30,000 00 31,200 00 

Pennsylvania Railroad bonds, .... 108,000 00 133,900 00 

Northern Pacific Railroad bonds, . . . 45,000 00 49,150 00 

Phila & Reading Railroad bonds, . . . 10,000 00 8,600 00 

Phila & Reading R.R. Car Trust certificates, . 25,000 00 25,000 00 

Pennsylvania Company bonds, . . . 16,000 00 16,960 00 

Security Car Trust of Pennsylvania bonds, . 12,000 00 12,000 00 

Baltimore & Ohio Equipment Ass'n bonds, . 25,000 00 25,000 00 

Pennsylvania & New York Canal bonds, . 8,000 00 8,640 00 

Lehigh Coal and Navigation Company bonds, 100,000 00 126,000 00 

Chamber of Commerce Ass'n bonds, . . 11,000 00 11,000 00 

Masonic Temple bonds, 20,000 00 20,000 00 

Peoria Mercantile Library Ass'n bonds, . . 14,000 00 14,000 00 

Philadelphia City Pass. R.W. bonds, . . 50,000 00 53,500 00 

2530 shares Pennsylvania Railroad, . . 126,500 00 144,210 00 

331 " Phil., Germant'D & Norrist n R.R., 16,550 00 42,037 00 

70 " Chestnut Hill Railroad, . . 3,500 00 8,890 00 

306 " Fire Assn of Phila., f 104,805 00 



$1,917,450 00 $2,247,670 00 
Securities held as collateral for cash loans : — 



100 shares Northern Pacific Railroad, 
Phila. & Reading Railroad bonds, . 



Market Valne. Loaned Thereon. 

$2,575 00 i 
30,750 00 ! 



125,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



183 



53 shares 13th & 15th Pass. Railroad, 
200 " Northern Pacific Hail road, 
100 " Pennsylvania Railroad, . 
Philadelphia & Reading Railroad bonds, 
100 shapes Northern Pacific Railroad, 
100 " Philadelphia & Erie Railroad 
100 " Hestonville P. Railroad, . 
Philadelphia & Reading Railroad bonds, 
639 shares Merchants 1 National Bank, 
250 " Camden v Iron Company, . 
100 " Diamond State Iron Company 
500 " Pennsylvania Railroad Company, 
Loaned on company's own stock, . $400 00 



Market Value. 

|10,070 00^ 



Loaned Thereon. 



5,150 00 } 



5,700 00 ( 

12,407 50 J 

7,112 50^ 

3,100 00 ' 



}> $25,000 00 



3,000 00 ( 
12,925 00 J 
63,900 00 > 
25,000 00 
10,000 00 > 
28,500 00 



} 25,000 00 



70,000 00 
20,000 00 



$220,490 00 $165,000 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



$178,809 41 

1,774,904 80 

35,774 05 

2,247,670 00 

165,000 00 

33,047 91 

192,012 98 

13,408 13 

321,894 46 

125 00 



t,962,646 74 
56,000 00 



Balance, $4,906,646 74 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 



$143,366 93 

124,290 00 

17,512 00 



5,168 93 
5,788 06 



$279,380 87 
1,396,113 35 
1,873,366 86 



* Value of lands mortgaged, . . 
Value of buildings thereon, 
Amount of insurance .held as collateral, 



$2,325,617 00 
1,964,529 00 

1,492,800 00 



184 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



State and local taxes, 
Commissions and brokerage, . 
Return premiums, . 
Re-insurance, 

Gross liabilities except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, 



$1,729 29 
51,007 98 
30,339 61 
25,529 68 

18,657,467 

44,239 50 



$3,613,228 14 

$1,293,418 60 
500,000 00 



Surplus over capital, $793,418 60 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., . 

Deposits received for perpetual fire risks, 



$250,532 41 
18,683 41 

$231,849 00 
2,181,857 11 

|2,413,706 11 

1,894 46 



$2,091,811 Go 
314,805 66 



sources, 



$1,777,005 99 
100,074 57 

133,506 86 
4,568 55 



$63,807 49 



Gross cash income, $2,015,155 97 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for tire losses, . . . . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$1,251,975 88 
40,041 29 



81,211,934 59 

200,00«) 00 

-.777 18 

161,402 90 

56,223 17 

17,369 26 



$39,420 67 



. $? 1 10 



1891.] 



INS. COS. OF OTHER STATES. 



185 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . . . . $308,204,813 00 $4,716,254 94 
Perpetual risks in force (included above), . 84,521,028 00 2,022,691 00 



$292,497,738 00 
. 178,617,086 00 

$471,114,824 00 
. 159,107,368 00 

$312,007,456 00 
. 3,802,643 00 



Premiums. 

$4,498,181 39 

2,181,857 11 

$6,680,038 50 

1,904,085 77 

$4,775,952 73 

59,697 79 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (40 per cent ), . 
Company's stock owned by directors, 



$28,641,726 00 
. 16,401,540 00 
. 1,348,810 00 
. 4,179,762 00 
200,000 00 
35,550 00 



"THE FIRE INSURANCE COMPANY OF THE COUNTY OF 
PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated May 31, 1832. Commenced business April 19, 1833.] 



Paid-up Capital, $400,000. 



JAMES N. STONE, President. 



CHAS. R. PECK, Secretary. 



Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

Jersey City bonds, $9,000 00 $10,080 00 

Delaware & Bound Brook Railroad bonds, . 24,000 00 30,480 00 

North Pennsylvania Railroad bonds, . . 12,000 00 13,320 00 

Catavvissa Railroad bonds, . . • . . 4,000 00 4,720 00 

Pennsylvania Company bonds, . . . 7,000 00 7,455 00 

Penn. & N. Y. Canal and Railroad bonds, . 10,000 00 11,550 00 

11 shares Elmira & Williamsport Railroad, . 550 00 528 00 

Hunt & Broad Top R.R. and Coal Co. bonds, . 10,500 00 11,550 00 

Pittsburg, Cincinnati & St. Louis R R. bonds, . 20,000 00 23,300 00 

American Steamship Company bonds, . . 4,500 00 4,770 00 

West Jersey Railroad bonds, .... 7,000 00 7,490 00 

New York Car Trust bonds, .... 4,000 00 4,000 00 

United New Jersey R.R. and Canal Co. bonds, 20,000 00 23,000 00 

Philadelphia & Erie Railroad bonds, . . 10,000 00 11,300 00 

Pennsylvania Railroad bonds, .... 11,00000 15,05000 

Junction Railroad bonds, 7,000 00 7,770 00 

Camden & Atlantic Railroad bonds, . . 4,000 00 4.600 00 

Belvidere Delaware Railroad bonds, . . 1,000 00 1,110 00 



186 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Connecting Railway bonds, 

264 shares Phil a., Ger. & Norristovvn R.R , 

City of Camden bonds, .... 

Pennsylvania Railroad bonds, . 

150 shares United Companies of New Jersey 

205 shares Germantown Passenger Railroad, 

Schuylkill River East Side Railroad bonds, 

Pennsylvania Steel Company bonds, 

Baltimore & Ohio Equipment Asso bonds, 

100 shares 2d and 3d Streets Passenger R.R., 

Pennsylvania & Northwestern R.R. bonds, 

216 shares Pennsylvania Railroad, . 

Lehigh Valley Railway bonds, 

69 shares Xafl Bank of the Northern Liberties, 

Securities held as collateral for cash loans : 

100 shares Lehigh Valley Railroad, . 
100 " Metropolitan Traction Company, . 
60 " City Trust & Surety Co., Phila., . 



Par Value. 

$3,000 00 
13,200 00 

1,000 00 

6,000 00 
15,000 00 
10,250 00 
15,000 00 
15,000 00 
12,000 00 

5,000 00 

10,000 00 

00 

43,000 00 

3,450 00 



Market Value. 

$3,510 00 
33,792 00 
1,180 00 
10 00 
33,825 00 
18,860 00 
15,900 00 
15,450 00 
12,000 00 
14,600 00 
10,500 00 
12,339 00 
48,375 00 
11,316 00 



$328,250 00 $430,920 00 



Market Value. Loaned Thereon. 



?4,900 00 
8,300 00 
6,600 00 



£1 0,000 00 
5,000 00 



$19,800 00 $15,000 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $67,500 00 
Loans on mortgage of real estate (first liens*), 257,400 00 

Interest due or accrued thereon, . . . 4,127 78 

Stocks and bonds, as per schedule, . . . 430,920 00 

Loans on collateral security, as per schedule, . 15,000 00 

Cash in the office of the company, . . . 424 69 

Cash deposited in bank, 25,23f> 

Interest due and accrued, 890 07 

Premiums in course of collection (gross), . 26,062 71 

Rents due and accrued, 480 83 

Perpetual deposits in other companies, . . 2,754 83 

Gross assets, 



$830,797 26 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



20,327 65 

11,254 00 

1,515 13 

£33,096 78 
2,000 00 

$ 3 1,096 78 
111,250 31 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$562,550 00 
199,700 00 



1891.] 



INS. COS. OF OTHER STATES. 



187 



Reelaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and retuFn premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ... 

Discounts on perpetual premiums, . 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



$173,988 77 

120 00 

5,212 54 



$39,664 36 
229,357 52 

$269,021 88 
26,062 71 

$242,959 17 
59,035 96 



sources, 



$10,285 06 



$321,668 40 

$509,128 86 
400,000 00 

$109,128 86 



$183,923 21 

12,681 47 

27,080 27 

1,958 33 

198 05 

$225,841 33 



Expenditures. 

Cash paid for fire losses, $ 183,523 73 

Deduct salvage and re-insurance, . . . 1,851 88 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and emplo}"ees, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, . $6,811 40 



Gross cash expenditures, 



$181,671 85 

28,068 00 

36,365 54 

10,716 04 

6,692 05 

13,082 30 

$276,595 78 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$21,293,543 00 $254,036 65 
. 21,239,893 00 229,357 52 



$42,533,436 00 $483,394 17 
22,641,666 00 260,550 76 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, . 

Net amount in force, . . . . $19,372,003 00 $217,650 78 

Perpetual risks in force (not included above), 7,385,832 00 191,745 66 



,891,770 00 $222,843 41 
519,767 00 5,192 63 



188 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), . 
Company's stock owned by directors, .... 



11,957,555 00 

1,211,077 00 

181,249 00 

S 00 

28,000 

82,100 00 



"FIREMAN'S FUND INSURANCE COMPANY,' 1 SAN FRANCISCO, 

CAL. 

[Incorporated May 3, 1863. Commenced business June 18, 1863.] 
Paid-up Capital, $1,000,000. 
D. J. STAPLES, President. BERNARD FAYMONVILLE, Secretary. 



Detailed Statement of Stocks 



Omnibus Cable Company bonds, 
Market Street Cable Railroad Company bonds, 
Powell Street Railway Company bonds, . 
Sutter Street Railway bonds, . 
Northern Railway of California bonds, . 
Presidio and Ferries Railroad Co. bonds, 
Oakland City Gas, Light and Heat Co. bonds 
San Diego Gas and Elect. Light Co. bonds, 
Riverside Water Company bonds, . 
California Dry Dock Company bonds, 
Pacific Rolling Mills bonds, 
Union Iron Works bonds, . 
60 shares Bank of California, 

107 ■ 

100 ' 

314 ' 

450 ' 
64 
1000 ' 

550 

600 ' 

440 ' 

550 

400 

100 ' 

656 

500 



First National Bank, 
Anglo-California Bank, 
Grangers 1 Bank of California, 
Oakland Bank of Savings, 
Savings Bank of Santa Rosa, 
California Street Cable R.R. Co., 
Presidio and Ferries R.R. Co., 
N Beach, and Mission R"y Co., 
Sutter Street R R. Company, 
Oakland Gas, Light and Heat Co. 
Spring Valley Water, . 
Pacific Gas Improvement Co., 
California Dry-Dock Company, 
Pacific Rolling Mills, . 



and Bonds. 

Par Value. 

$200,000 00 
43,000 00 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
20,000 00 
70,000 00 
49,000 00 
2o,000 00 

3,000 00 

6,000 00 
10,700 00 

5,000 00 
31,400 00 
22,500 00 

9,000 00 
100,000 00 
30,250 00 
10,500 00 
44,000 00 
11,000 00 
40,000 00 

3,333 33 
65,600 00 
50,000 00 



Market Value. 

00 
52,890 00 
57,000 00 

52,500 00 
55,250 
25,(525 00 
51,500 00 
20,600 00 
72,100 00 
40, 735 00 
20,400 00 

3,04/ 
15,750 00 
18,618 00 
00 
32.970 00 
33,750 00 

9,472 00 
116,000 00 
13,750 00 
13,500 00 
39,600 00 
19,800 00 

— I 00 

7,850 00 
22,960 00 
50,000 00 



$1,069,283 33 1 1,130,7 15 00 



1891.] 



INS. COS. OF OTHER STATES. 



189 



Securities held as collateral for cash loans : 

461 shares Bank of Sonoma County, 
25 " California Street Cable R.R. Co., 
50 " Eagle Canning Company, 
100 " Bank of California, 
200 " Loma Prieta Lumber Co., 

60 " Bank of California, 
188 " First Nat Bank of San Francisco 
Park and Cliff House Railroad bonds, 
331 shares California Safe Dep. & Trust Co. 
75 " Atlantic Dynamite Co., . 
66 " Giant Powder Co., . 
6 " San Francisco Savings Union, 
150 " Bank of Sonoma County, 
440 " California Dry Dock Co., 
65 " Bank of California, 
25 " Savings Bank of Santa Rosa, 
150 " Bank of Sonoma County, 
440 " Masonic Hall Association, 
3250 " Inyo Marble Compan}-, . 
25 " Bank of Sonoma Count}', 
20 " Spring Valley Water, . 
150 " Santa Rosa Bank, . 
20 " Grangers 1 Bank of California, 
10 " Cal. Bank & Trust Co. of Oakland 
Southern Pacific Railroad bonds, 
403 shares California Dry Dock Co , 
Northern R.R. bonds, .... 
60 shares San Francisco Gas Light Co., . 
200 " California Electric Light Co., 
100 " Anglo-California Bank, . 
20 " Title Insurance and Trust Co., 



Market Value. 

f53,015 00 

2,900 00 

'2,500 00 

26,250 00 

20,000 00 

15,750 00 

32,712 00 

50,000 00 

15,557 00 

3,300 00- 

3,564 00 

2,700 00. 

17,250 00 

15,400 00 

17,062 50 

3,750 00 

17,250 00 

6,600 00 

4,875 00 

2,875 00 

1,940 00 

21,000 00 

1,340 00 

1,100 00 

7,000 00 

14,105 00 

68,510 00 

3,900 00 

3,000 00 

7,250 00 

1,500 00 



Loaned Thereon. 

839,300 00 

1,500 00 

800 00 

13,000 00 

7,500 00 

35,000 00 
50,000 00 



6,500 00 

12,000 00 
17,500 00 

1,000 00 

5,000 00 

5,500 00 

2,000 00 

2,000 00 

500 00 

10,000 00 

500 00 

600 00 

5,000 00 

10,000 00 

50,000 00 

10,000 00 
1,000 00 



f443,955 50 $286,200 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $313,757 03 

Loans on mortgage of real estate (first liens*), 402,375 00 

Interest due or accrued thereon, . . . 2,227 18 

Stocks and bonds, as per schedule, . . . 1,130,715 00 

Loans on collateral security, as per schedule, . 286,200 00 

Cash in the office of the company, . . . 15,355 62 

Cash deposited in bank, 332,251 91 

Interest due and accrued, 7,844 20 



* Value of lands mortgaged $971,355 00 

Value of buildings thereon 305,400 00 

Amount of insurance held as collateral, .... 179,20000 



190 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents, re-insurance, etc., .... 

Gross assets, . 
Deduct special deposits in other States, . 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Bills payable, etc , 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$277,911 14 
57,088 61 

18,714 13 



$2,844,389 82 
60,000 00 

$2,794,389 82 



$21,589 93 

228,660 31 

13,063 33 

$263,313 57 
107,890 80 

$155,422 77 

1,045,121 34 

24,410 35 

11,037 50 

$1,235,991 96 
19,768 28 



1,216,223 68 

. $1,578,160 14 
. 1,000,000 00 



$578,166 14 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Gross cash income, .... 



$242,158 94 
1,751,791 61 

$1,993,950 55 
256,622 06 

$1,737,328 49 
500,563 35 

$82,486 69 
518,281 35 

$600,768 04 
78,327 69 

$522,440 35 
259,732 83 



$1,236,765 14 



sources, 



262,707 52 
24,394 68 
80,902 60 

25/2 19 74 

$1,629,989 68 



1891.] IXS. COS. OF OTHER STATES. 



191 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . . - 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . - 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$820,625 28 
129,663 40 

$191,970 21 
89,373 36 



$690,961 88 



102,596 85 
120,000 00 
195,760 32 
133,011 71 
26,306 65 
143,938 58 



Gross cash expenditures, 



. $1,412,575 99 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 
Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, ..... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$133,165,902 00 
130,578,778 00 



$263,744,680 00 
116,977,099 00 

$146,767,581 00 
12,897,911 00 

$133,869,670 00 

3,765,996 00 

42,630,877 00 

$46,396,873 00 
39,726,307 00 

$6,670,566 00 
2,571,999 00 



Premiums. 

$1,817,613 37 
1,751,791 61 

$3,569,404 98 
1,621,274 26 

$1,948,130 72 
232,569 94 

$1,715,560 78 
184,807 09 
518,281 35 

§703,088 44 
476,304 46 

$226,783 98 
81,273 97 



$4,098,567 00 $145,510 01 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, . 



$20,673,480 00 

10,486,446 00 

733,511 00 

133,357 00 

2,056,060 00 

120,000 00 

142,100 00 



192 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"THE PRESIDENT AND DIRECTORS OF THE FIREMEN'S IN- 
SURANCE COMPANY OF BALTIMORE," BALTIMORE, MD. 

[Incorporated December, 1825. Commenced business Aug. 2, 1826.] 

Paid-up Capital, $378,000. 

JAMES M. ANDERSON, President. F. E. 8. WOLFE, Secretary. 



Detailed Statement of Stocks 



Virginia State bonds, 

Tennessee State bonds, 

Baltimore city bonds, 

310 shares Commercial and Farmers' N'l Bank 

200 ' 

58 ' 
132 ' 
808 ' 

50 « 

bb ' 

4 i 

325 ' 

50 ■ 
100 ■ 
238 ' 

50 ' 
200 ' 
100 ' 



Nat 1 ] Farmers' and Planters' Bank 
Merchants' National Bank, 
1 National Bank of Baltimore, . 
' Mechanics' National Bank, 
' Nat 1 ] Farmers' and Merchants' Bank 
1 People's Bank, 
' Equitable National Bank, 
1 Baltimore City Passenger Railway 
George's Creek Coal and Iron Co., 
' Consolidated Gas Company, . 
1 German Fire Insurance Company 
' Baltimore Fire Insurance Company 
' Howard Fire Insurance Company 
' Associated Firemen's Insurance Co. 
Baltimore & Ohio Railroad Car Trust bond-. 
Baltimore & Ohio Railroad Equipment bonds 
Illinois Central Railroad bond-. 
Georgia Pacific Railroad bonds, 
Western North Carolina Railroad bonds, 
Baltimore & O. Southwestern Railroad bonds 
Pittsburg & Connellsville Railroad bonds, 
Chesapeake Gas Company bonds, . 
Ohio & Mississippi Railroad bonds, 
Columbia & Greenville Railroad bouds, . 
Northern Central Railroad bonds, . 
Columbus & Cincinnati Midland R.R. bonds, 
Georgia, Carolina & Northern Railroad bonds 
Frederick County, Md., bonds, . 
Sioux City Railroad bonds, 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 



and Bonds. 

Par Value. 

$37,556 00 

34,000 00 

129,400 00 

31,000 
5,000 00 
5,800 00 

13,200 00 
8,080 00 
2,000 00 
M00 oo 

400 00 

8,125 00 

5,00 
10,000 00 

2,380 00 
I 00 

1,000 00 

500 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 
10,000 00 

5,000 00 
10,000 00 

5,000 00 
10,000 00 

5,000 00 

5,000 00 
10,000 00 
20,000 00 
10,000 00 



Market Value. 

24,225 00 
139,798 00 
40, . 

19.140 

11,312 00 

3,000 00 

1,045 50 

I 00 

21,125 00 

50 00 

4,400 00 

4.403 00 

1,100 00 

1,300 00 

- 00 

10,000 00 

10,000 00 

10,000 00 

5,162 00 

00 

10,475 00 

00 

10.600 00 

5,575 00 

10,400 00 

5,650 00 

4.750 (.0 

10,300 00 

20,000 00 

10,000 00 



$425,041 00 ?444,04» 82 

31, 1891. 

$146,875 00 

444,046 82 

3,221 22 



1891.] 



IXS. COS. OF OTHER STATES. 



193 



Cash deposited in bank, 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Rents due and accrued, 

Office furniture, etc., . . . $2,787 52 

Premiums more than 3 months due, 94 50 

Gross assets, . . . ... 

Liabilities. 

Losses adjusted, unpaid, 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc , . 
State and local taxes, .... 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, excej>t capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$2,140 13 
5.807 65 
7,780 38 
1,238 80 



$611,110 00 



$21,217 95 

8,389 98 

100,345 30 

2,397 68 

1,031 94 

368 81 

160 15 

553 74 

62 47 

134,528 05 



Income. 

Fire premiums outstanding Dec 31, 1890, . $11,247 49 
Premiums on risks written or renewed, . . 175,469 01 

Total,. . $186,716 50 

Premiums now in course of collection, . . 7,874 88 

Entire premiums collected, .... $178,841 62 
Less re-insurance and return premiums, . . 28,594 02 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rents, 

Deposits received for perpetual fire risks, . . $818 30 



$476,581 95 
378,000 00 



,581 95 



[50,247 60 

20,126 32 

7,578 83 



Gross cash income, 



77,952 75 



Expenditures. 
Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, ..... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$111,775 22 
1,904 93 



00 



$109,870 29 
22,691 34 
3i>,559 07 

8,278 50 
11,460 78 

5,1U7 30 



$187,967 28 



1<>4 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Risks and Premii tmb. 



Fire risks outstanding- Dec. 31, 1890, 
Fire risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$25,309,278 00 
18,860,997 00 



£44,170,275 00 
21,659,132 00 

$22,511,143 00 
444,925 00 



Net amount in force, $22,066,218 00 

Perpetual risks in force (not included above), 60,975 00 



Premiums. 

$213,638 18 
175,469 01 



$389,107 19 
184,187 24 

$204,919 95 
4,229 35 



$200,690 60 
23 87 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6perceut ), . 
Company's stock owned by directors, .... 



$6,542,212 00 

3,292,81*7 
122,700 00 

3,237,829 00 
22,680 00 
28,368 00 



"FIREMEN'S INSURANCE COMPANY OF NEWARK, N. J.," 

NEWARK, N. J. 

[Incorporated Dec. 3, 1855. Commenced business Dec. 3, 1855.] 
Paid-up Capital, $600,000. 
JOHN H. KASE, President. CHAS. COLTER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $30,000 00 $34,325 00 

Morris & Essex Railroad bonds, . . . 50,000 00 67,750 00 

Orange and Newark Railroad bonds, . . 40,000 00 43,200 00 

Essex Pass. Railway bonds, .... 24,000 00 25,920 00 

East Orange Township bonds 3,186 52 3,186 52 

Newark Elec. Light and P. Co. bonds, . . 12,500 00 12,500 00 

United N. J. Railroad & Canal Co. stock, . 13,900 00 31,275 00 

Delaware, Lack. & Western Railroad stock, . 55,000 00 76,450 00 

Morris & Essex Railroad stock, . . . 65,000 00 93,600 00 

Newark City National Bank stock, . . . 20,000 00 30,600 00 

Second National Bank stock, .... 20,000 00 29,000 00 

National Newark Banking Company stock, . 20,000 00 31,000 00 

National State Bank stock, .... 30,000 00 45,000 00 

Essex County National Bank stock, . . 18,900 00 40,635 00 

German National Bank stock, .... 4,200 00 7,140 00 

Manufacturers' National Bank stock, . . 10,000 00 14,500 00 



1891.] 



INS. COS. OF OTHER STATES. 



li>5 



Newark Fire Insurance Company stock, 
American Insurance Company stock, 
Paterson Gas Light Company stock, 
Newark Gas Light Company stock, 
Citizens 1 Gas Light Company stock, 
Newark and Rosendale Cement Co. stock, 



Par Value. 

$5,000 00 
20,000 00 
10,000 00 
11,000 00 
11,850 00 
4,000 00 



Market Value. 

$8,250 00 
40,000 00 
10,000 00 
24,200 00 
20,737 50 
3,200 00 



$478,536 52 $692,409 02 



Summary of Assets Dec. 31, 1891. 

$120,035 23 

967,981 57 

14,927 20 

692,469 02 

125 89 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 



Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), . 
Rents due and accrued, .... 

Re-insurance due, 

Premiums more than 3 months due, $1,041 97 
Gross assets, 



11,793 71 

7,088 00 

33,331 97 

388 33 

25 65 



,848,166 57 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital,. . . . ' . 



Surplus over capital, . 



$6,244 17 

20,152 36 

3,187 40 



$29,883 93 
457 26 



$29,426 67 

236,563 57 

1,959 00 

517 25 

6,189 77 

3,547 24 



278,203 50 



. $1,569,963 07 
600,000 00 



$969,963 07 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$2,338,075 00 
1,301,300 00 



196 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received on mort^a^es, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$16,961 09 
216 



$16,741 
338,153 33 



$354,897 62 
34,373 94 

$320,523 G8 
35,224 04 



sources, 



Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . . . . — 

Cash dividends paid, 

Interest paid scrip-holders, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for repairs on real estate, 

for incidentals, .... 

Gross cash expenditures, .... 



$182,211 82 
6,430 88 



$285,299 64 
49,8J0 73 
36,66* 
9,3.", 

$381,125 2<J 



$175,780 94 
72,000 00 
4 98 
51.952 34 
20,683 02 
11,668 54 
1,100 40 
20,549 62 

$353,741 84 



Fire risks outstanding Dec. 31, 1890, 
Eire risks written during 1891, 



Risks and Premiums. 

rremiums. 

.$51,368,873 00 $426,974 51 
. 42,782,422 00 338,153 33 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



f94,151,295 00 $765,127 
. 35,099,621 00 291,739 78 



.$59,051,674 i.O ?473,388 06 
. 1,323 083 00 12,096 37 



7.7-8,591 00 $461,291 69 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Eire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent ), 
Company's stock owned by directors, . 



$5,750,923 00 

4 00 

190,501 00 

1,254,500 00 

..i)00 00 

221,550 00 



1891.] 



INS. COS. OF OTHER STATES. 



197 



"FRANKLIN INSURANCE COMPANY OF LOUISVILLE, 11 LOUIS- 
VILLE, KY. 

[Incorporated March 11, 1836. Commenced business March 11, 1836.] 

Paid-up Capital, $200,000. 

GEO. W. MORRIS, President. JOHN J. BARRET, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value 

125 shares Bank of Kentucky, .... $12,500 00 $ 2 1,500 00 

£14 " Louisville Gas Company, . . 21,400 00 27,178 00 

/ 30 " Louisville Warehouse Co., . . 3,000 00 3,900 00 

35 " Union Public Warehouse Co., . 3,500 00 4.375 00 

50 " Fidelity Trust & Safety Vault Co , 5,000 00 10,450 00 

Second Presbyterian Church bonds, . . . 6,000 00 6,090 00 



$51,400 00 $73,493 00 



Securities held as collateral for cash loans : 
30 shares Kelly Axe Manufacturing Co., 

Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash dep©sited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for inland risks, . 
Due from other companies. 

Gross assets, 



Market Value. 

$4,500 00 

31, 1891. 

$454 81 

133,598 15 

3,337 14 

73,493 00 

2,000 00 

12,905 08 

21,289 21 

20 00 

11,201 85 

1,455 31 

6,619 49 



Loaned Thereon. 

$2,000 00 



$266,404 04 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



$6,903 50 

4,666 75 

51,579 94 

973 62 



64,123 81 

$202,280 23 

200,000 00 

$2,280 23 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$194,869 00 
126,875 00 
110,875 00 



198 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Income. 

Fire premiums outstanding Dec. 31, 1890, . $5,572 73 

Premiums on risks written or renewed, . . 93,514 17 

Total, $99,086 90 

Premiums now in course of collection, . . 11,201 85 

Entire premiums collected, .... $87,885 05 

Less re-insurance and return premiums, . . 4,977 78 

Net cash fire premiums received, . . . $82,907 27 

Inland premiums outstanding Dec 31,1890, . $1,843 

Premiums on risks written or renewed, . . 4,399 07 

Total, $6,242 57 

Premiums now in course of collection, . . 1,455 31 

Entire premiums collected, .... $1,787 26 

Less re-insurance and return premiums, . . 1,582 79 

Net cash inland premiums received, . . 3,204 47 

Interest and dividends received from all sources, . . . 11 975 26 

Gross cash income, $98,087 00 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes and expenses, 
for real estate expenses, . 

Gross cash expenditures, .... 



$32,798 17 
1,492 62 



$31,305 55 

18 64 

15,691 96 

14,376 53 

1,312 00 

10 00 

$65,204 68 



Risks and Premiums. 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Inland risks outstanding Dec. 31, 1890, 
Inland risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 



$3,733,911 00 
9,005,950 00 



$12,739,861 00 
3,503,367 00 

$9,236,494 00 
214,437 00 



Premiums. 

$46,536 54 
93,514 17 

$140,050 71 
39,421 69 



$100,699 02 

ta 05 



$9,022,057 00 

$5,000 00 
856,059 00 


$97,893 97 

$50 00 
4,399 07 


$861,059 00 
856,059 00 


64,449 07 
4.399 07 



$5,000 00 



$50 00 



1891.] 



INS. COS. OF OTHER STATES. 



199 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Company's stock owned by directors, 



51,874,186 00 
1,065,325 00 

41,826 00 
531,422 00 

27,650 00 



" FRANKLIN FIRE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 22, 1829. Commenced business June, 1829.] 

Paid up Capital, $400,000. 

JAMES W. MCALLISTER, President. EZRA T. CRESSON, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Pennsylvania Railroad bonds, .... $20,000 00 $23,500 00 

City of Harrisburg, Pa , bonds, . . . 1,000 00 1,010 00 

Chartiers R. W. bonds 6,000 00 6,960 00 

Pennsylvania Equipment Trust bonds, . . 7,000 00 6,912 50 

Delaware River Ferry bonds, .... 10,000 00 10,000 00 

Pa. & New York Canal and Railroad bonds, . 14,000 00 17,080 00 

Wilmington & Weldon Railroad bonds, . . 20,000 00 23,000 00 

Pennsylvania Equipment Trust bonds, . . 12,000 00 11,677 50 

City of Sandusky, Ohio, bonds, . . . 20,000 00 20,450 00 

Jacksonville, Louis. & St. Louis RR. bonds, . 11,000 00 9,900 00 

Lehigh Valley Railroad bonds, . . . 11,000 00 12,320 00 

Huntingdon & Broad Top Railroad bonds, . 29,000 00 29,000 00 

North Pennsylvania Railroad bonds, . . 3,000 00 3,330 00 

50 shares Independence National Bank, . . 5,000 00 6,250 00 

City of Columbus, Ohio, bonds, . . . 25,000 00 25,000 00 

City of Cleveland, Ohio, bonds, . . . 31,000 00 31,620 00 

Philadelphia city bonds, 60,000 00 63,014 00 

Lehigh Valley Railroad bonds, . . . 70,000 00 72,890 00 

Huntingdon & Broad Top Railroad bonds, . 11,500 00 12,880 00 

Pennsylvania Railroad bonds, . . . . 61,000 00 78,040 00 

West Jersey Railroad bonds, .... 7,000 00 7,490 00 

Penn. & New York Canal and Railroad bonds, 10,000 00 11,000 00 

Phila., Wilmington & Baltimore R.R. bonds, . 3,000 00 3,360 00 

West Jersey & Atlantic Railroad bonds, . . 1,000 00 1,050 00 

Philadelphia & Erie Railroad bonds, . . 10,000 00 10,000 00 

50 shares First National Bank, Philadelphia, . 5,000 00 11,250 00 

Phila., Wilmington & Baltimore R.R. bonds, . 25,000 00 25,000 00 

Belvidere Delaware Railroad bonds, . . 21,000 00 21,000 00 

City of Quincy, III, bonds, .... 15,00000 15,00000 

100 shares Southwark National Bank, . . 5,000 00 12,000 00 

Gloucester County, N. J , bonds, . . . 27,000 00 27,000 00 

Northern Pacific Railroad bonds, . . . 6,000 00 6,120 00 



200 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Iowa City & Western Railroad bonds, 

National Water Works Co., N. Y., bonds, 

Delaware & Bound Brook Railroad bonds, 

Lehigh Valley Railroad bonds, 

Chicago & Western Indiana Railroad bonds, 

Pennsylvania Railroad bonds, . 

Infantry Battalion of State Feneibles bonds, 

Columbus & Cincinnati Midland R.R bonds, 

125 shares Phila , Wilm. & Baltimore R.R., 

St Paul, Minnesota & Manitoba R R. bonds, 

Stony Creek Railroad bonds, . 

Baltimore & Potomac Railroad bonds, 

Penn. & New York Canal and Railroad bonds 

AVest Jersey Railroad bonds, . 

Philadelphia & Reading Railroad bonds, . 

Hest , Mantua & Fairmount Pass. R.R bonds 

Connecting Railroad bonds, 

Easton & Amboy Railroad bonds, . 

Lehigh Valley Railroad bonds, 

Elmira & Williamsport Railroad bonds, . 

Phila , Wil & Bait Tru*t Certificate bonds, 

X. Y , Lackawanna & Western R R. bonds, 

West Jersey Railroad bonds, . 

New York Central Railroad bond-;. . 

Harrisb'g, Ports , Mt. Joy & Lan. R R. bonds, 

Lehigh Coal and Navigation Company bonds 

Northern Central Railroad bonds, . 

16 shares Continental Hotel Company, . 

Pennsylvania Company bonds, 

Steubenville & Indiana Railroad bonds, . 

Pennsylvania Salt Manufacturing Co. bonds, 

Camden & Atlantic Railroad bonds, 

Northern Central Railroad bonds, . 

Philadelphia & Erie Railroad bonds, 

500 shares Mine Hill & Schuylkill Haven R.R. 

25 shares Penn. Co for Insurance on Lives, etc 

Lehigh Valley Coal Company bonds, 

Baltimore & Ohio Railroad bonds, . 

Northern Central Railroad bonds, . 

River Front Railroad bonds, . 



Par Value. 

$20,000 00 
25,000 00 

8,0<" 

85,000 00 
15,000 00 
30,000 00 

1,600 00 
25,000 00 

6,250 00 

4,000 00 

4,0< I 
62,000 00 
22,000 00 
13,000 00 
29,000 00 
10,000 00 
20,000 00 
25,000 
40,000 on 
10,000 00 
25,000 00 

>,000 00 
23,000 
25,000 00 
25,000 00 
10,000 00 
15,000 00 

1,600 00 
42,000 00 
58,000 00 
47,000 00 
14,000 00 
17,000 00 
10,000 00 
25,000 00 
00 
20,000 00 
25,000 00 
10,000 00 
16,000 00 



Market Value. 

120,000 00 

25,000 00 

8,640 00 

107,950 00 

16,500 00 

31,800 00 

1,600 00 

23,250 00 

•<) 00 

00 

4,880 00 
75,220 
24,200 
] 5.340 00 
31,030 00 
10,200 00 
23,200 00 
00 
44.' 

10,500 00 
24,500 00 
31,250 00 
20,910 1.0 
25.5i»« I 
26,000 
10,800 00 
16,050 00 

2,08' 
44,940 00 
62,<>60 00 
48,4lo 
16,100 
17,510 00 
11,30) 00 
34,000 00 
12,75u 00 
21,000 00 
25,000 00 
10,300 00 
16,000 00 



$1,453,450 00 $1,610,574 (.0 



Securities held as collateral for cash loans : — 



Metropolitan Elevated Railway bonds, . 
Nashville, Chatt. & St. Louis R R bonds, 
100 shares Western Union Telegraph Co , 
100 " New York & New Eng. R.R. 
135 " New York Cent. & Hud. R. R.R , 



Market Value. Loaned Thereon. 

$23,940 00 "l 
12,500 00 ] 

8,400 00 y $50,000 00 

4,700 00 I 
15,592 50 j 



1891.] 



INS. COS. OF OTHER STATES. 



201 



Philadelphia & Reading R.R bonds, 
300 shares United Gas Improvement Co , 
250 " Lehigh Valley Railroad, 
200 " Northern Central Railroad, . 
100 " Pennsylvania Railroad, . 
450 " United Gas. Improvement Co , 
600 " Delaware & Bound Brook R R., 

1000 " North Pennsylvania R R. Co , 

96 " Thirteenth &Fift'th St. Pass. R'y 

37 " Commercial National Bank, . 
10 " Guar Trust & Safe Deposit Co., 

10 " Real Estate Trust Company, 

3 " Fire Association of Philadelphia, 
Atlantic City Railroad bonds, . 
Pennsylvania & N. Y Canal & R.R. bonds, 
400 shares Pennsylvania Railroad, . 
100 " Huntingdon & Broad Top R.R , 
17 " United New Jersey R R. & C. Co 
Edge Moor Iron Company bonds, . 
150 shares North Pennsylvania Railroad, 
600 shares Philadelphia Traction Co., 
Lehigh Valley Railroad bonds, 
West Shore Railroad bonds, 
Phi la. & Reiding Coal & Iron Co. bonds, 
Penn. & N. Y. Canal & Railroad bonds, . 
Shade Gap Railroad bonds, 

97 shares Lehigh Valley Railroad, 

38 " Giiard Life, Annuity & Trust Co 
140 " Highland Coal Company, 

11 " Union Improvement Company, 
10 " Ogden Mine Railroad, . 

700 " Pennsylania Railroad, . 
250 " Lehigh Valley Railroad, 
100 " Central RR. of New Jersey, 
Record Publishing Company bonds, 
Philadelphia & Reading Railroad bonds,. 
Allegheny Valley Railroad bonds, . 
Philadelphia & Read Coal &Iron Co. bonds, 
Philadelphia & Reading Railroad bonds, 
3100 shares Philadelphia & Reading Railroad 
1700 " Philadelphia & Reading R R., 
72 " Thirteenth & Fift'th St. Pass. R'y 
5 " Penn. Salt Manufacturing Co , 



Market Value. 
$ 12,600 00^1 
16,500 00 | 
12,687 50 } 
13,800 00 | 
5,700 00 J 
24,750 00 
96,000 00 
83,000 00 
18,240 00^ 
2,072 00 | 
2,400 00 } 
1,850 00 | 
1,050 00 J 
25,625 00 ] 
6,100 00 I 
22,800 00 [ 
4,850 00 
3,825 00 
27,000 00 
12,450 00 
37,200 00 
7,620 00 ^ 
6,120 00 
4,000 00 
1,220 00 
1,500 00 
4,922 75 )- 
12,350 00 
9,800 00 , 
770 00 | 
900 00 J 
39,900 00} 
12,687 50 J 
11,300 00-) 
15,000 00 
3,870 00 ) 
3,270 00 S 
2,000 00} 
750 00 > 
63,550 00 -> 
34,850 00 
13,680 00 
515 00 



Loaned Thereon. 



$50,000 00 



16,000 00 
72,000 00 
60,000 00 



20,000 00 



50,000 00 



25,000 00 
10,000 00 
25,000 GO 



40,000 00 



50,000 00 

10,000 00 
6,000 00 

50,000 00 

25,000 00 

10,000 00 

400 00 



$746,207 25 $569,400 00 



202 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due and accrued thereon, . 
Stocks and bonds, as per schedule, . 
Loans on collateral securit}', as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1891. 

$341,850 00 

455,249 67 

8,<>22 23 

1,010,574 00 

569,400 00 

15,977 81 

110,137 47 

3,583 61 

58,682 64 



§3,173.477 43 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



$22,910 91 

28,905 00 

789 98 

437,260 16 

1,311,530 12 

340 00 

8,800 87 



1,810,537 04 



. $1,362,940 39 
400,001 



Surplus over capital, ' . . $962,940 39 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., .... 

Deposits received for perpetual fire risks, 



$66,759 36 
551,364 80 



$618,124 16 
58,682 64 



$559,441 52 
72,796 87 



sources, . 



$18,100 26 



£486,644 65 
55,509 97 

75,189 81 
10,555 17 



Gross cash income, $627,899 60 



* Total value of property mortgaged, 
Amount of insurance htld as collateral, 



$1,313,495 00 
554.4S3 34 



1891.] 



INS. COS. OF OTHER STATES. 



203 



Expenditures. 

Cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, , 

for repairs on real estate, . 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$37,359 00 



512,497 45 
90,210 00 
88,366 71 
55,642 77 
22,236 07 
67,380 83 
3,059 19 



$639,393 02 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . • . 
Deduct amount re-insured, 

Net amount in force, 
Perpetual risks in force (not included above), 



. $79,059,594 00 
. 51,575,510 00 

$130,635,104 00 
. 49,402,017 00 

$81,233,087 00 
2,156,956 00 



,076,131 00 
60,964,627 00 



Premiums. 

$878,683 76 
551,364 80 

$1,430,048 56 
542,872 12 

$887,176 44 
19,604 78 

$867,571 66 
1,419,678 56 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (22^ per cent ), 

Company's stock owned by directors, 



$27,736,389 00 
14,977,211 00 
317,024 00 
5,024,000 00 
90,000 00 
32,900 00 



" GERMAN-AMERICAN INSURANCE COMPANY," NEW YORK, N Y. 

[Incorporated March, 1872. Commenced business March 7, 1872.] 
Paid-up Capital, $1,000,000. 
EMIL OELBERMANN, President. JAMES A. SILVEY, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$310,000 00 
927,784 17 



United States bonds, . 
New York City bonds, 
Brooklyn city bonds, 
St. Louis, Mo , bonds, 
Portland, Oregon, water bonds 
Atlanta, Ga , bonds, . 
Nashville, Tenn , water bonds, 



75,000 00 
100,000 00 
50,000 00 
25,000 00 
25,000 00 



Market Value. 

$301,065 00 

973,423 00 

76,500 00 

105.000 00 

56,000 00 

26,250 00 

26,250 00 



204 FIRE, MARINE, AND FIRE-MARINE [Dec. 31 , 



Albany & Susquehanna Railroad bonds, . 
Chicago, R. I. & Pacific Railroad bonds, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Central Pacific Railroad bonds, 
Dakota & Great Southern Railroad bonds, 

Erie Railroad bonds, 

Fargo & Southern Railroad bonds, . 
Kansas Pacific Railroad bonds, . 
Little Miami Railroad bonds, . 
Louisville & Nashville Railroad bonds, . 
Missouri Pacific Railroad bonds, . . 
New York, Lack. & Western R R. bonds, 
New York Central & Hudson River R.R bonds 
New York, Chicago & St. Louis R.R. bonds, 
Omaha & St. Louis Railroad bonds, . 
Pennsylvania Company bonds, 
St Louis, Kansas City & Northern R.R bonds 
St. Paul, Minn. & Man Railroad bonds, . 
Syracuse, Binghampton & N. Y. R.R. bonds, 
Union Pacific Railroad bonds, . 

100 shares Albany & Susquehanna Railroad, 

850 " Chic , Rock Island & Pacific R R. 
1600 " Cleve., Cin , Chic. & St. Louis R.R 
1000 " Cayuga & Susquehanna Railroad 

500 " Chicago & Northwestern Railroad 
1233 " Delaware & Hudson Canal Co., 
2500 " Delaware, Lack. & Western R R. 

200 " Detroit, Hillsdale & S. W. R R , 

100 " Lake Shore & Michigan Southern 
1200 " Morris & Essex Railroad, 

500 " Mil , Lake Shore & Western R R , 
2633 " New York & Harlem Railroad, 
92 " N. Y., N. H. & Hartford R.R , 

200 " New York, Lack. & Western R.R 

300 " New York, Prov. & Boston R.R., 
1000 " Pennsylvania Railroad, 

500 " Rensselaer & Saratoga Railroad, 

100 " American Exchange Nat'l Bank, 

175 " Bank of America, . 
91 " Bank of Commerce, 

200 " Fourth National Bank, . 

221 " German-American Bank, 
1000 " Consolidated Gas Co. of N. Y , 

300 " New York Mutual Gas Light Co , 

500 " Standard Oil Trust, 
1000 " Western Union Telegraph Co., 



Par Value. 

175,000 00 

100,000 00 

130,000 00 

1.35,000 00 

65,000 00 

50,000 00 

25,000 00 

100,000 00 

25,000 dO 

85,000 00 

25,000 00 

25,000 00 

50,000 00 

100,000 00 

100,000 00 

45,000 00 

57,000 00 

55,000 00 

60,000 00 

30,000 00 

30,000 00 

50,000 00 

10,000 00 

85,000 00 

160,000 00 

30,000 00 

50,000 00 

123,300 00 

125,000 00 

20,000 00 

10,000 00 

60,000 00 

50,000 00 

131,650 00 

9,200 00 

20,000 00 

30,000 00 

50,000 00 

50,000 00 

10,000 00 

17,500 00 

9,100 00 

20,000 00 

16,575 00 

100,000 00 

30,000 00 

50,000 00 

100,000 00 



Market Value. 

$90,750 00 

115,000 00 

144, 900 00 

171,700 00 

.550 00 

55,000 00 

26,000 00 

135,500 00 

28,750 00 

91,587 00 

27,500 00 

28,750 00 

53,250 00 

128,8 00 

108,750 00 

43,200 

31,920 00 

59,400 00 

64,200 00 

36,000 00 

38,400 00 

55,500 00 

16,700 00 

ifioQ 00 

158,400 00 

55,500 00 

71,25" 

151,659 00 

175,625 00 

18,200 00 

12,500 00 

87.000 00 

66,500 00 

355,455 00 

20,792 00 

21,700 00 

69,000 00 

57,000 00 

85.000 00 

15,000 00 

35,000 00 

16,744 00 

34,400 00 

.221 00 

104,250 00 

36,000 00 

84,500 00 

83,750 00 



$4 ; 307,109 17 $5,142,391 00 



1891.] 



INS. COS. OF OTHER STATES. 



205 



Summary of Assets Dec. 31, 1891. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets,* 

Deduct special deposits in other States, . 



$5,142,391 00 

5,336 68 

415,438 04 

4,187 00 

311,855 73 



$5,879,208 45 
144,193 75 



Balance, $5,735,014 70 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



$54,142 22 

260,572 14 

30,979 18 

$345,693 54 
5,081 95 

£340,611 59 

2,209,234 42 

73,973 01 



$2,623,819 02 
64,126 44 



2,559,692 58 



Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



. $3,175,322 12 
. 1,000,000 00 

. $2,175,322 12 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest and dividends received from all sources, . 

Gross cash income, 



$268,200 84 
3,332,745 09 

$3,600,945 93 
311,855 73 

$3,289,090 20 
659,960 00 



- $2,629,130 20 
223,239 18 

. $2,852,369 38 



* Including $500,000 special reserve fund held under New York law. 



206 



FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$1,729,803 87 
156,008 58 



3 1. -,7:3,795 29 

1,000 00 

421,709 77 

210,431 27 

72,429 63 

249,401 73 



Gross cash expenditures, $2,727,767 69 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$470,043,750 00 $3,993,219 51 
. 367,084,047 00 3,332,745 09 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Xet amount in force, 



$837,127,797 00 $7,325,964 60 
.350,612,410 00 2,919,453 14 



$486,515,387 00 $4,406,511 46 
. 12,805,498 00 130,536 65 



$473,709,889 00 $4,275,974 81 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by directors, .... 



$31,059,581 00 

16,109,415 00 

1,717,115 00 

2,540,000 00 

200,000 00 

307,200 00 



"GELIMAXIA FIRE INSURANCE COMPANY," NEW YORK, X. Y 

[Incorporated March 2, 1859. Commenced business March 2, 1859.] 
Paid-up Capital, $1,000,000. 
HUGO SCHUMANN, President. CHARLES RUFKHAVER, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, registered, . . . $1,190,200 00 $1,409,509 50 
American Dock & Improvement Co. bonds, . 25,000 00 27.437 50 

Atch., Topeka & Santa Fe Railroad bonds, . 25,000 00 21,375 00 



1891.] INS. COS. OF OTHER STATES. 



207 



Chicago, Burl. & Quincy Railroad bonds, 

Chicago, Mil. & St. Paul Railroad bonds, 

Chicago, Rock Island & Pacific R R. bonds, 

Chicago, St Louis & New Orleans R.R bonds 

Chicago, St. P , Minn & Omaha R'y bonds, 

Clev., Col , Cin & Indianapolis R'y bonds, 

Denver & Rio Grande Railway bonds, 

Dry Dock, East B'dway & Battery R.R. bonds 

East Tennessee, Va & Ga. Railroad bonds, 

Fargo & Southern Railway bonds, . 

Flint & Pere Marquette Railroad bonds, 

Georgia State bonds, 

Hannibal & St Jo. Railroad bonds, . 

Kentucky Central Railway bonds, . 

Long Island Railroad bonds, . 

Louisville, New Albany & Chicago R.R. bonds 

Metropolitan Elevated Railroad bonds, 

Michigan Central Railroad bonds, . 

Milwaukee & Northern Railroad bonds, 

Milwaukee & St. Paul Railway bonds, 

Mississippi State bonds, . 

50 shares National Park Bank, 

N. Y., Brooklyn & Manhattan Beach R'y bonds, 

New York Central & Hudson River R R. bonds, 

Pittsburgh & \V. Railway bonds, 

Richmond City bonds, .... 

St. Paul, Minn. & Manitoba Railway bonds, 

St. Paul & Northern Pacific Railroad bonds, 

Third Avenue Railroad bonds, 

Toledo & Ohio Central Railway bonds, . 

Union Elevated Railroad, Brooklyn, bonds, 

Union Pacific Railroad bonds, . 

Wabash Railroad bonds, .... 



Par Value. 

525,000 00 
50,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 CO 
25,000 00 
10,000 00 
50,000 00 
20,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
15,000 00 

7,000 00 
25,000 00 
45,000 00 
25,000 00 
15,000 00 
20,000 00 

5,000 00 
25,000 00 
25,000 00 
25,000 00 
50,000 00 
39,000 00 
16,000 00 
25,000 00 
25,000 00 
15,000 00 
50,000 00 
25,000 00 



Market Value. 

$31,500 00 

56,531 25 

31,500 00 

28,500 00 

29,906 25 

29,250 00 

20,500 00 

10,300 00 

52,375 00 

22,600 00 

25,000 00 

25,625 00 

29,250 00 

21,375 00 

17,250 00 

7,910 CO 

29,125 00 

52,612 50 

27,875 00 

18,600 00 

20,000 00 

15,000 00 

21,750 00 

26,875 00 

20,843 75 

50,300 00 

40,305 00 

18,880 00 

28,250 00 

26,250 00 

16,575 00 

54,687 50 

25,843 75 



$2,097,200 00 |2,394,467 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $295,130 67 

Loans on mortgage of real estate (first liens*), 184.5C0 00 

Interest due or accrued thereon, . . . 4,287 50 

Stocks and bonds, as per schedule, . . . 2,394,467 00 

Cash in the office of the company, . . . 41,419 07 



* Value of lands mortgaged, $111,500 00 

Value of buildings thereou, . # 226,000 00 

Amount of insurance held as collateral, .... 179,500 00 



208 



FIRE, MARINE, AXD FIRE-MARIXE [Dec. 31, 



Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



$52,772 58 

t8 96 



00 



Balance, $3,095,601 

Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



178,236 23 
60,150 14 
13,091 91 



$152,078 28 
38,398 87 

$115,679 41 

1,11 

28 558 43 

$1,257,566 16 

42,760 72 



1,214 799 44 

1 34 
1,000,000 00 

— .- L 34 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 



$190,580 41 
1,592,878 49 

$1,783,464 90 
198,948 96 

$1,584,515 94 
396.064 62 



$1,188,451 32 
6,865 00 
-.149 33 



Gross cash income, $1,303,465 65 



Expenditures. 
Cash paid for fire losses, $763,048 18 

Deduct salvage and re-insurance, . . . 1 12,09 i 77 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . . • . 



Gross cash expenditures, . 



$650,956 41 
100,000 00 
169,36> :; 
118,394 14 
32,634 32 
117,861 63 



. $1,189,215 27 



1891.] INS. COS. OF OTHER STATES. 



209 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$259,148,998 00 

. 187,448,061 00 

$446,597,059 00 

. 168,999,225 00 



Premiums. 

$2,193,7u3 08 
1,592,878 49 

$3,786,581 57 
1,444,739 07 



$277,597,834 00 
. 20,029,662 00 



$2,341,842 50 
198,967 17 



$257,568,172 00 $2,142,875 33 



MISCELLANEOUS. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, 



$25,148,986 00 
12,656,898 00 
666,076 00 
2,301,000 00 
100,000 00 
216,250 00. 



"GIRARD FIRE AND MARINE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated March, 1853. Commenced business May, 1853.] 

Paid-up Capital, $300,000. 

ALFRED S. GILLETT, President. EDWIN F. MERRILL, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $72,000 00 $84,960 00 

Seattle city bonds, 30,000 00 30,750 00 

Louisville city bonds, 10,000 00 12,000 00 

St. Louis County bonds, 10,000 00 12,000 00> 

Union Pacific Railroad bonds, . . . . 5,000 00 5,500 00 

Connecting Railroad bonds, .... 10,00000 11,600 00- 

Pennsylvania Railroad bonds 10,000 00* 143,000. 00 

Phila., Wilmington & Baltimore R.R bonds, . 40,000 00 40,400 00' 

Lehigh Navigation Company bonds, . . 11,000 00 11,880 00. 

Lancaster & Reading Railroad bonds, . . 10,000 00 10,500 00 

North Pennsylvania Railroad bonds, . . 5,000 00 6,400 00' 

Phila & Reading Railroad Car Trust bonds, . 35,000 00 35,787 50- 

Zanesville & Ohio Railroad bonds, . . . 10,000 00 8,500 00 

Lower Merion Gas Company bonds, . . 6,500 00 6,630 00 

Philadelphia & Reading Railroad bonds, . . 2,000 00 1,160 00 

Georgia State bonds, 25,000 00 28,000 00 

Hutchinson Water, Light and Power Co. bonds, 10,000 00 10,050 00 

Holmesburg Water Company bonds, . . 1,000 00 1,000 00 



210 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Philadelphia & Darby Pass. Railroad bonds, . 
200 shares Pennsylvania Railroad, . 
200 " Lehigh Valley Railroad, . 
100 " Lehigh Navigation Company, 
119 " Girard F. & M. Ins. Co., $45,220 00 



Securities held as collateral for cash loans : — 

Allegheny Valley Railroad bonds, . 

35 shares iEtna Insurance Company, 

Ohio & Mississippi Railroad bonds, . 

St. Louis, Alt. & Terre Haute Railroad bonds, 

b\ shares Merchants' Electric Light Company, 

Loaned on company's own stock, $5,500 00 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 



Par Value. 

$2,250 00 

10,000 00 

1'),000 00 

5,000 00 



Market Value. 

11,40 

10,000 00 
4,900 00 



$329,750 00 #357,902 



Market Value. Loaned Thereon. 



schedule, 



st liens*), 



Loans on mortgage of real estate (fir 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, 

Loans on collateral security, as per 

Cash in the office of the company, 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Notes taken for fire risks, 

Rents due and accrued, 

Perpetual insurance deposit, 

Gross assets, 
Deduct special deposit in other States, 

Balance, $1,546,836 11 



$1,220 00 


$600 00 


8,750 00 


1,300 00 


1,100 00 


900 00 


4,120 00 


3,000 00 


825 00 


45" 


$16,015 00 


$6,250 00 


31, 1891. 




$297,800 00 




705,650 00 




13,758 29 




357,902 50 




6,250 00 




11,529 55 




80,325 46 




208 35 




62,406 50 




35,380 07 




1,960 39 




1,665 00 




$1 


574,836 11 


. 


28,000 00 



Liabilities. 

Losses claimed and reported, 
Losses disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc , 



§45,439 03 
6,991 43 



$52,430 46 
3,235 71 



$49,194 75 

358,691 57 

341,780 43 

3,178 24 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$2,001,634 00 
407,120 00 



1891.] 



INS. COS. OF OTHER STATES. 



211 



State and local taxes, 
Commissions and brokerage, . 
Return premiums and re-insurance, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



$1,131 79 
27,789 12 
11,848 96 



5,150 92 
517,260 18 



$605,411 10 
97,786 57 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 

Income from all other sources, 

Deposits received for perpetual fire risks, . $39,274 19 

Gross cash income, . . * . ... 



$507,624 53 
83,200 05 



$793,614 86 



$753,221 25 
300,000 00 



$453,221 25 



$424,424 48 

42,001 86 

19,513 75 

6,615 23 

539 75 



$193,095 07 



$210,431 15 
11,740 96 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, . $19,071 51 

Gross cash expenditures, 

Risks and Premiums. 



$198,690 19 
72,000 00 
94,700 53 
58,278 00 
14,450 16 
28,041 69 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (included above), 



.$79,194,867 00 
. 50,552,085 00 

$129,746,952 00 
43,783,912 00 



. $85,963,040 00 
. 3,043,528 00 

.$82,919,512 0C 
. 16,602,869 00 



$466,160 57 



Premiums. 

$1,020,237 87 

517,260 18 

$1,537,498 05 

437,061 47 

$1,100,436 58 

34,197 38 

$1,066,239 20 

379,750 03 



212 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (24 per cent.), 
Company's stock owned by directors, .... 



$9,569,180 00 

3,984,850 00 

230,285 00 

1,485,196 00 

72,000 00 

49,000 00 



"GLEN'S FALLS INSURANCE COMPANY," GLEN'S FALLS, N. Y. 

[Incorporated May, 1849. Commenced business May, 1850.] 

Paid-up Capital, $200,000. 

J. L. CUNNINGHAM, President. R. A. LITTLE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

N. Y. Central & Hudson River R.R bonds, . $200,000 00 $248,000 00 

New York & Harlem R.R. bonds, . . . 100,000 00 119,500 00 

Lake Shore & Michigan So. R R. bonds, . . 50,000 00 59,500 00 

Syracuse, Bing. & New York R R. bonds, . 53,000 00 68,900 00 

Morris & Essex Railroad bonds, . . . 50,000 00 66,500 00 

West Shore Railroad bonds, . . ... 50,000 00 50,000 00 

Hudson River Pulp & Paper Co. bonds, . . 106,000 00 106,000 00 

Glen's Falls Paper Mill bonds, .... 250,000 00 250,000 00 

Georgia State bonds 25,000 00 25,000 00 

Richmond City bonds, 10,000 00 10,000 00 

First National Bank, Glen's Falls, stock, . . 10,000 00 20,000 00 

International Loan & Trust Co. bonds, . . 100,000 00 100,000 00 

Jarvis Conklin M'tg e Trust Co. bonds, . . 53,500 00 53,500 00 



$1,057,500 00 ? 1,176,900 00 



Securities held as collateral for cash loans : — 
Morris & Essex Railroad bonds, 



Market Value. Loaned Thereon. 

- $3,990 00 $3,000 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . . $36,050 00 

Loans on mortgage of real estate (first liens*), 610,438 62 

Interest due or accrued thereon, . . . 4,340 85 

Stocks and bonds, as per schedule, . . . 1,176,900 00 

Loans on collateral security, as per schedule, . 3,000 00 

Cash in the office of the company, . . . 2,775 75 

Cash deposited in bank, 74,106 43 

Interest due and accrued, 6,060 00 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$1,303,250 00 
610,700 00 



1891.] INS. COS. OF OTHER STATES. 



213 



Premiums in course of collection (gross), 
Notes taken for fire risks, .... 

Re-insurance, 

Premiums more than 3 mos. due, $2,565 62 

Gross assets,* 

Deduct special deposits in other States, . 



$64,831 25 
1,136 59 
1,073 88 



$1,980,713 37 
35,000 00 



Balance, $1,945,713 37 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$16,821 30 

29,497 00 

6,310 00 

$52,628 30 
10,355 85 

$42,272 45 

613,432 91 

5,325 00 

10,108 92 



$671,139 28 
17,899 55 



653,239 73 

. $1,292,473 64 
200,000 00 



. $1,092,473 64 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$61,265 75 
477 61 

$60,788 14 
696,672 67 

$757,460 81 
67,396 87 

$690,063 94 
144,009 70 



sources, 



$546,054 24 

40,262 10 

57,829 88 

659 52 

$644,805 74 



* Including $200,000 special reserve fund h.ld under New York law. 



214 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$342,807 83 
43,724 49 



$299,143 34 
1,000 00 

107,100 74 
61,879 22 
23,458 71 
48,798 72 



Gross cash expenditures, $550,440 73 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$119,083,613 00 $1,189,00: 
. 69,907,826 00 696,672 67 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$189,051,439 00 $1 I 53 

. 63,240,968 00 613,316 13 



$125,810,471 00 $1,272,358 40 
. 8.220,7<>5 00 99,852 98 



$117,589,766 00 $1,172,505 42 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



$10,608,045 00 
5,420,973 00 
316,235 00 
500,000 00 
20,000 00 
78,370 00 



» GRANITE STATE FIRE INSURANCE COMPANY," 
PORTSMOUTH, N. H. 

[Incorporated July 17, 1885. Commenced business Nov. 12, 1585.] 

Paid-up Capital, $200,000. 
FRANK JONES, President. ALFRED F. HOWARD, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Harrisville, New Hampshire, town bonds, . $15,000 00 $15,600 00 

Manchester, New Hampshire, city bonds, . 100,000 00 106,000 00 

Port Plain, N. Y, Water Company bonds, . 10,000 00 11,000 00 

New Hampshire Trust Company bonds, . . 10,000 00 10.000 00 

New York & New England Railroad bonds, . 10,000 00 12,100 00 

Xenia, Ohio, Water Company bonds, . . 6,C00 00 6,300 00 

St. Cloud Gas & Electric Company bonds, . 10,000 00 10,500 00 



1891.] 



INS. COS. OF OTHER STATES. 



215 



Nashua Card& Glazed Paper Co bonds, 
Nat. Loan & Trust Co., Kan City, Mo., bonds 
County of Garfield, Colorado, bonds, 
Front St. Cable ETy Co , Seattle, Wash , bonds 
Ogden City, Utah, bonds, .... 
Palouse City. Wash., water bonds, . 
Eastman Freight Car Heater Co. bonds, . 
198 shares Dover Gas Light Co , N. H., . 
1 share Wor , Nashua & Roch. R R., 
50 shares Inter. Loan & Trust Co , Kan City, 
50 " Wolfboro' L. & B Co., Wolt'boro\N 
77 " Boston & Maine R R., preferred, 
22 " Boston & Maine R R , common, 



H., 



Securities held as collateral for cash loans : — 

Chippewa Falls, Wis , Water Works bonds, . 
40 shares Indian Head Nat'l B'k, Nashua, N.H , 
Boston & Lowell Railroad bonds, 
Columbia Co., Wash , Court House bonds, 
Emporia Elec & Gas Light Company bonds, . 
Eastman Freight Car Heater Co bonds, . 



Par Value. 

$5,000 00 
4,000 00 
1,000 00 

12,000 00 
5,000 00 
4,800 00 

36,000 00 
3,325 00 
100 00 
5,000 00 
5,000 00 
7,700 00 
1,100 00 



Market Value. 

$5,000 00 

4,000 00 

1,055 00 

12,600 00 

5,500 00 

5,520 00 

36,000 00 

3,591 00 

125 00 

5,000 00 

5,000 00 

10,780 00 

1,826 00 



$251,025 00 $267,497 00 



Market Value. Loaned Thereon. 



$3,150 00 

5,400 00 

4,925 00' 

2,400 00 

11,000 00 

28,000 00 



$2,480 00 
4,000 00 

15,000 00 
23,000 00 



$54,875 00 $44,480 00 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens*) 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in N H Nat'l Bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $392 90 
Gross assets, 



31, 1891. 

$88,600 00 

1,587 84 

267,497 00 

44,480 00 

539 81 

74,775 48 

1,748 78 

68,264 47 



$547,493 38 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 



Liabilities. 



$20,500 55 

31,171 67 

1,817 55 

$53,489 77 
16,869 87 

$36,619 90 



* Value of lands mortgaged, 
Value of buildingR thereon, 
Amount of insurance held as collateral, 



$123,570 00 
145.300 00 
110,650 00 



21(3 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc , . 
Commissions and brokerage, . 

Return premiums, 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$250,224 47 

512 50 

7,492 84 

4,645 09 

6,540 20 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Gross cash income, 



152,765 93 

202 10 

$52,563 83 
585,442 39 

$638,000 22 
68,657 37 



$569,348 85 
158,492 41 



sources, 



$305,935 00 

$241,558 38 
200,000 00 

$41,558 38 



$410,856 44 

6,748 34 

16,677 67 

$434,282 45 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$298,635 21 
84,140 86 



$214,494 35 
12,000 00 
91,577 37 
10,980 00 
7,207 08 
21,586 18 

$357,844 98 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . .$39,527,253 00 $514,479 61 
Fire risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



. 45,371,976 00 585,442 41 



. $84,899,229 00 $1,099,922 09 
. 36,844,674 00 I 73 



$48,054,555 00 $612,020 29 
9,897,471 00 128,035 62 



. $38,157,084 00 $483,984 67 



1891.] INS. COS. OF OTHER STATES. 



217 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent ), . 
Company's stock owned by directors, .... 



1,347,786 00 

947,284 00 

242,900 00 

24,000 00 

12,000 00 

115,100 00 



" THE GREENWICH INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated May 5, 1834. Commenced business Jan. 1, 1835.] 

Paid-up Capital, $200,000. 

MASON A. STONE, President WALTER B. WARD, ) Agst Secretaries. 

william adams, > 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States Government bonds, . . . $15,000 00 $17,550 00 

District of Columbia bonds, .... 125,000 00 143.750 00 

Harlem River & Port Chester Railroad bonds, 10,000 00 11,5C0 00 

N. Y. Central & Hudson Riv. Railroad bonds, 150,000 00 176,875 00 

Albany & Susquehanna Railroad bonds, . . 80,000 00 96.800 00 

West Shore Railroad bonds 50,000 00 50,875 00 

Oswego & Syracuse Railroad bonds, . . 53,000 00 58,000 00 

Buffalo & Erie Railroad bonds, . . . 9,500 00 11,600 00 

State of Georgia bonds 25,000 00 25,687 50 

Rome, Watertown & Ogdensburg R R. bonds, 5,000 00 5,600 00 

Phila & Reading Railroad bonds, . . . 1,000 00 860 00 

Consolidated Gas Company of New York stock, 100,000 00 104,250 00 

Rensselaer & Saratoga Railroad stock. . . 60,000 00 101,100 00 

New York Cent & Hudson Riv. Railroad stock, 50,000 00 58,187 50 

Valley Railroad Company stock, . . . 35,000 00 40,250 00 

Lake Shore & Mich. Southern R R. stock, . 25,000 00 30,812 50 

National Broadway Bank stock, . . . 17,500 00 48,125 00 

Delaware & Hudson Canal Company stock, . 50,000 00 61,500 00 

New York, Lack & Western Railroad stock, . 25,000 00 27,187 50 

Atlantic Mutual Insurance Company scrip, . 30,000 00 31,685 91 

Securities held as collateral for cash loans : — 

27 shares United States Life Ins Company, 
12 " Niagara Fire Insurance Company, 
5 " People's Fire Insurance Company, 
25 " Hanover National Bank, 
15 " Ninth National Bank, 

23 " Pacific Kank, . . . . 3,162 50 

40 " Bowery National Bank, . . . 12,200 00 

Peoria, Decatur & Evansville R.R. bond, . 7,560 00 

50 shares Kings County Trust Company, . 10,000 00 

30 shares West Side Bank, .... 6,300 00 



$916,000 00 $1,102,195 91 



Market Value. Loaned Thereon 

$1,485 00 

870 00 

200 00 
8,750 00 
1,650 00 ) 



$850 00 
600 00 
150 00 

4,550 00 

2,000 00 



5,000 "00 
6,000 00 

13,000 00 



218 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



100 shares Chic, Rook I. & Pacific Railroad, 

100 " Missouri Pacific Railroad, 

200 " United N J. R.R. and Canal Co , 

100 " Consolidated Gas Company, . 

100 " National Broadway Bank, 

St Louis & Iron Mountain Railroad bond, 



Summary of Assets Dec, 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due thereon, .... 

Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 

Re-insurance, 

Premiums more than 3 months due, $ 2*2,781 75 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 



Market Value. Loaned Thereon. 

$9,300 00^ 

6,300 00 j 
46,000 00 } 
10,400 00 ] 

7,502 50 J 

1,000 00 



$29,749 99 



I 00 



Liabilities 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due for borrowed money, 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$132,740 00 $62,399 99 

31, 1891. 

$170,000 00 

11,100 00 

213 00 

1,102,195 91 

62,399 99 

8,942 19 

16,071 14 

3,185 50 

203,681 24 

13,796 10 

850 00 

4,940 34 



£1,597.375 41 
25,087 50 



$1,57 



$8,092 62 

350,992 35 

40,704 41 

$399,789 38 
54,233 26 

£345,556 12 

869,139 62 

60,000 00 

2,500 00 

42,000 00 

600 00 

$1,319,795 74 
25,687 50 



1,294,108 24 

$277,579 67 
200,000 00 






* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$41, (XX) 00 
14,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



219 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 



Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec 31, 1890, 

Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



$159,788 38 
13,313 37 

$146,475 01 
1,2^4,134 19 



$1,440,609 20 
217,142 58 



$1,223,466 62 
203,792 64 



$1,019,673 98 



$11,534 19 
5,448 78 

$6,085 41 
192,337 67 

$198,423 08 
9,320 41 



Entire premiums collected, .... $189,102 67 

Less re-insurance and return premiums, . . 22,623 44 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, 

Income from all other sources, .... 

Gross cash income, 



166,479 23 

453 00 

52.171 60 

16,770 84 

647 46 

,256,196 11 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, ... 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$811,735 09 
58,365 12 

$106,297 76 
31,270 02 



$753,369 97 



75,027 74 
20,000 00 
310,194 92 
62,315 07 
13,698 05 
80,819 58 



Gross cash expenditures, 



. $1,315,425 33 



220 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$265,480,829 00 $1,288,748 04 
. 203,579,532 00 1,294,134 19 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 

Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$169,060,361 00 $2,582,882 23 
. 157,604,599 00 943,387 16 



$311,455,762 00 $1,639,495 07 
. 15,590,220 00 97,900 50 



$295,865,542 00 $1,541,594 57 



82,758,117 00 
65,997,985 00 



$71,350 81 
'192,337 67 



$68,756,102 00 $26 
64,892,962 00 177,176 81 



$3,863,140 00 
815,500 0J 



f«6,51l 67 
12,153 37 



$3,047,640 00 §74,358 30 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the vear, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$10,661,724 00 

6,855,252 00 

903,693 00 

124,358 00 

2,010,000 00 

20,000 00 

52,200 00 



"HANOVER FIRE INSURANCE COMPANY/NEW YORK, N. Y. 

[Incorporated April, 1852. Commenced business April, 1852.] 
Paid-up Capital, $1,000,000. 
I. REMSEN LANE, President. CHARLES L. ROE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $98,000 00 $114,085 00 

State of Georgia coupon bonds, . . . 25,000 00 27,500 00 

City of Richmond Va., bonds 50,000 00 54,000 00 

New Y r ork & Harlem Railroad bonds, . . 25,000 00 30,250 00 

Erie Railway Company bonds, . . . 54,000 00 73,170 00 

Union Pacific Railroad bonds 50,000 00 54,500 00 

New York Elevated Railroad bonds, . . 20,000 00 23,000 00 

Kansas Pacific Railway bonds, . . . 50,000 00 54,500 00 

Flint & Pere Marquette Railroad bonds, . . 30,000 00 36,000 00 

Chicago, Milwaukee & St. Paul R'y bonds, . 45,000 00 48.162 50 



1891.] 



INS. COS. OF OTHER STATES. 



221 



Chicago, Burlington & Quincy R R. Co bonds 
Norfolk & Western Railroad bonds, 
Richmond & Danville Railroad bonds, . 
New York, Chicago & St. Louis R.R. bonds, 
Milwaukee & St. Paul Railway bonds, 
St. Louis & ]ron Mountain Railroad bonds, 
Louisville, N. A & Chicago R.R bonds, . 
Cin., Ind , St Louis & Chicago R R. bonds, 
AVest Shore Railroad bonds, 
Pennsylvania Company bonds, 
Central Railroad of New Jersey bonds, . 
Flint & Pere Marquette Railroad bonds, . 
New York city bonds, .... 
100 shares Rensselaer & Saratoga Railroad, 
240 " Rome, Watertown & Ogdens'g R.R. 
200 " X.'hicago, Burlington & Quincy KR 
210 " Chicago, Rock Island & Pacific R.R 
200 " Chicago & Northwestern Railroad 
800 " N. Y Central & Hudson River R R. 
611 " Delaware & Hudson Canal Co., 
1000 " Delaware, Lack. & Western R R , 
200 " Chicago & Northwestern R'y Co. 
191 " Syracuse, Bing. & New l r ork RR 
50 " Cleve., Cin , Chic. & St. Louis R'y 
75 " Metropolitan National Bank, . 
150 " American Exchange Nat'l Bank, 
36 " Western National Bank, N Y., 
150 " Bank of America, . 
750 " Consolidated Gas Company, N. Y. 
300 " Western Union Telegraph Co , 
100 " Central Trust Company, 



Par Value. 

$26,000 00 

5,000 00 

25,000 00 

30,000 00 

6,000 00 

5,000 00 

15,000 00 

30,000 00 

100,000 00 

36,000 00 

100,000 00 

30,000 00 

385,000 00 

10,000 00 

21,000 00 

20,000 00 

21,000 00 

20,000 00 

80,000 00 

61,100 00 

50,000 00 

20,000 00 

19,100 00 

5,000 00 

7,500 00 

15,000 00 

3,600 00 

15,000 00 

75,000 00 

30,000 00 

10,000 00 



Market Valne. 

$23,755 00 

5,925 00 

29,000 00 

28,800 00 

7,470 00 

5,206 25 

15,037 50 

27,600 00 

103,325 00 

38,430 00 

112,500 00 

30,150 00 

402,250 00 

17,000 00 

27,120 00 

21,800 00 

18,637 50 

23,250 00 

93,000 00 

75,458 50 

69,562 50 

28,550 00 

26,740 00 

4,950 00 

525 00 

22,500 00 

4,320 00 

30,000 00 

77,812 50 

24,975 00 

120,000 00 



$1,726,300 00 $2,030,817 25 



Securities held as collateral for cash loans : — 

5 shares Hanover National Bank, 
16 shares Germania Fire Insurance Co , 



Market Value. 

$1,750 00 
1,280 00 

$3,030 00 



Loaned Thereon. 

$ 350 00 
500 00 



$850 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $250,000 00 

Loans on mortgage of real estate (first liens*), 23,000 00 

Interest due or accrued thereon, ... 96 66 

Stocks and bonds, as per schedule, . . . 2,030,817 25 

Loans on collateral security, as per schedule, . 850 00 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amonnt of insurance held ne collateral, 



$29,000 00 
31,500 00 
24,000 00 



222 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company, . . . $47,570 31 

Cash deposited in bank 38,568 63 

Interest due and accrued, 8,846 08 

Premiums in course of collection (gross), . 149,426 98 

Due for re-insurance, 2,154 28 

Premiums more than 3 months due, $13,339 69 

Gross assets, 

Deduct special deposits in other States, 



1,330 19 

8.°,. : 



Balance 12,467,955 19 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$68,802 58 
55,701 73 
23,632 43 

1148,136 74 

15,319 05 

$132,817 69 

935,663 99 

27,410 15 

$1,095,891 83 
20,211 55 



- 1,075,680 

. 01,392,274 91 

. 1,000,000 00 



$392,274 91 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



other 



§ 154 520 17 
9,167 80 

$145,352 37 
1,377,039 27 

$1,522,391 64 
162,766 67 

$1,359,624 97 
212,396 71 



sources, 



- $1,147,228 26 

1,947 50 

96,330 22 

962 32 

. $1,246,468 30 



1891.] INS. COS. OF OTHER STATES. 



223 



Expenditures. 

Cash paid for lire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$813,746 53 
64,821 16 



Gross cash expenditures, 



$748,925 37 

100,000 00 

226,273 66 

133,988 16 

34,187 63 

99,202 43 

$1,342,577 25 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$201,800,132 00 $1,882,499 19 
. 145,739,864 00 1,377,039 27 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$347,539,996 00 $3,259,538 46 
. 156,997,889 00 1,353,273 79 



$190,542,107 00 $1,906,264 67 
8,045,290 00 74,175 60 



$182,496,817 00 $1,832,089 07 



Miscellaneous. 
Premiums received from organization of company, . 
Losses paid from organization of company, . 
Fire losses incurred during the }~ear, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), 
Company's stock owned by directors, . 



$23,898,095 00 

13,208,379 00 

804,166 00 

2,109,500 00 

100,000 00 

129,900 00 



"HARTFORD FIRE INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated May, 1810. Commenced business August, 1810.] 

Paid-up Capital, $1,250,000. 

GEORGE L. CHASE, President. P. C. ROYCE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

556 shares Hartford National Bank, Hartford, $55,600 00 $88,960 00 

467 " Phoenix National Bank, Hartford, 46,700 00 61,177 00 

100 " Conn. River Banking Co., Hartford, 5,000 00 5,000 00 

122 " Far. and Mech N'l B% Hartford, 12,200 00 13,420 00 

166 " City Bank, Hartford, . . . 16,600 00 17,430 00 

300 " American Natl Bank, Hartford, . 15,000 00 21,450 00 

200 " Charter Oak Nat'l Bank, Hartford, 20,000 00 22,000 00 

150 " Mercantile Nat'l Bank, Hartford, 15,000 00 15,000 00 

172 " First National Bank, Hartford, . 17,2.00 00 18,920 00 

100 " State Bank, Hartford, . . . 10,000 00 10,000 00 



224 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Par Value. Market Value. 

315 shares JEtna. National Bank, Hartford, . $31,500 00 f39,375 

40 " Nat'l Exchange Bank, Hartford, . 2,000 00 2,900 00 

40 " Conn. Trust and Safe Deposit Co , 23,000 00 35,650 

300 " Bank of America, New York, . 30,000 00 61,800 00 

100 " Bank of North America, N. Y., . 7,000 00 11. 

100 " Nafl Bank of Commerce, N Y., . 10,000 00 1 -,700 00 

200 " Am Exchange Nat'l Bank, N. Y., 20,000 00 30,600 00 

300 " Imp and Trad. Nat 1 1 Bank, N. Y., 30,000 00 163,500 00 

200 " Manhattan Company Bank, N. Y., 10,000 00 18,500 00 

334 " Merchants' National Bank, N. Y., 16,700 00 26,720 00 

225 " Metropolitan National Bank, N.Y r ., 22,500 00 1,800 00 
39 " Atlantic National Bank, Boston, . 3,900 00 5,460 00 

106 " Blackstone National Bank, Boston, 10,600 00 10,600 00 

125 " Boylston National Bank, Boston, . 12,500 00 15,968 75 

24 " Hide and Leather N'l B'k, Boston, 2,400 00 3,000 00 

32 " Nat'l Bank of Commerce, Boston, 3,200 00 4,000 00 

100 " First National Bank, Boston, . 10,000 00 24,100 00 

109 " Second National Bank, Boston, . 10,900 00 20,819 00 

50 " First National Bank, Albany, . 5,000 00 9,000 00 

150 " Bank of Montreal, Montreal, . 30,000 00 66,900 00 

65 " Ontario Bank, Bowmanville, . 6,500 00 7,345 00 

100 " Connecticut River Company, . 10,000 00 3,000 00 

20 " Connecticut River Railroad, . . 2,000 00 4,480 00 

1200 " N.Y., New Haven & Hartford R.R., 120,000 00 272,400 00 

660 " Chicago, Burl. & Quincy R R , . 66,000 00 72,600 00 

220 " Chic , Rock Island & Pacific R.R., 22,000 00 19,690 00 

700 " Chicago & Northwestern Railroad, 70,000 00 87,100 00 

770 " Chic, Milwaukee & St Faul R.R , 77,000 00 78,680 00 

200 " Union Pacific Railroad, . . . 20,000 00 9,475 00 

1000 " Conn & Passumpsic Rivers R R., 100,000 00 122,000 00 

500 " N. Y r . Central & Hudson Riv R.R., 50,000 00 59,500 00 

500 " Northwestern Telegraph Co., . 25,000 00 25,000 00 

Alabama State bonds, 10,000 00 10,500 00 

Georgia State bonds 25,000 00 26,250 00 

South Carolina State bonds, .... 14,500 00 14,500 00 

Minnesota State bonds, 3,000 00 3,000 00 

Toledo, Ohio, Water Works bonds, . . . 20,000 00 2<>,800 00 

New Brunswick, N J., city bonds, . . . 45,000 00 46,800 00 

Paw tucket, R. I., town bonds, .... 75,000 00 79,875 00 

Dubuque, Iowa, city bonds, .... 25,000 00 26,250 00 

Richmond, Va., city bonds, .... 50,000 00 51,250 00 

Harlem River & Port Chester Railroad bonds, 50,000 00 67,500 00 

Chicago & Western Indiana Railroad bonds, . 177,000 00 202,780 00 

Minneapolis Union Railroad bonds, . . . 50,000 00 57,000 00 

Cleveland, Col., Cin. & Ind Railroad bonds, . 58,000 00 68,240 00 

Nashville & Decatur Railroad bonds, . . 50,000 00 58,000 00 

Indianapolis & Yincennes Railroad bonds, . 32,000 00 - 00 

Chicago & North Western Railroad bonds, . 50,000 00 53,000 00 

Albany & Susquehanna Railroad bonds, . . 50,000 00 61,003 00 



1891.] 



INS. COS. OF OTHER STATES. 



225 



Northern Pacific Railroad bonds, 

New York Cent. & Hudson River R.R. bonds 

West Shore Railroad bonds, 

Chicago, Burlington & Quincy Railroad bonds 

New York & New England Railroad bonds, 

City of Indianapolis Belt Railroad bonds, 

Pittsburgh, Cincinnati & St. Louis R.R. bonds 

Louisville, Frankfort & Lexington R.R. bonds 

Cincinnati, Ind., St. Louis & Chic. R.R. bonds 

Detroit, Lansing & Northern Railroad bonds, 

Jefferson Railroad bonds, .... 

Dayton & Michigan Railroad bonds, 

St. Louis & San Francisco R'y and Land bonds 

New York, Lake Erie & Western R.R. bonds 

Milwaukee & St. Paul Railroad bonds, . 

Iowa Falls and Sioux City R.R. bonds, . 

Cincinnati, Hamilton & Dayton Railroad bonds 

Canadian Pacific Railway bonds, 

Montreal Corporation bonds, . 

Chicago & Great Western Railroad bonds, 

Lake Shore & Michigan Southern R.R. bonds 

Lehigh Valley bonds, .... 

St. Paul, Minn., certificates, 

Topeka, Kan., Internal Imp. Sewer bonds, 



Tar Value. 

$63,000 00 
50,000 00 

100,000 00 
50,000 00 
50,000 00 
74,000 00 

100,000 00 
60,000 00 
86,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
63,000 00 
60,000 00 
54,000 00 
48,666 00 
62,500 00 
14,000 00 
50,000 00 
75,000 00 
86,200 00 
30,000 00 



Market Value. 

$76,230 00 
54,000 00 

104,000 00 
50,000 00 
62,000 00 
78,440 00 

115,000 00 
66,000 00 
94,600 00 
55,500 00 
52,500 00 
54,000 00 
56,000 00 
55,500 00 
77,490 00 
76,200 00 
67,500 00 
57,750 00 
65,625 00 
14,525 00 
61.000 00 
80,625 00 
87,051 00 
30,920 00 



$3,283,866 00 $4,082,850 75 



Securities held as collateral for cash loans : — 



Wabash, St Louis & Pacific Railroad bonds, 
Peoria & Pekin Union Railroad bonds, 
37 shares iEtna Fire Insurance Company, 
64 " Cleveland & Pittsburg Railroad, 
20 " Wells, Fargo Express Company, 



Market Value. 

$24,000 00 

24,000 00 

9,250 00 

4,500 00 

2,800 00 



Loaned Thereon. 

$20,000 00 
6,000 00 
4,000 00 



$64,550 00 $30,000 00» 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 



31, 1891. 

$379,575 60 

1,302,000 00 

22,390 05 

4,082,850 75 

30,000 00 

13,072 20 

333,648 41 

466 67 



* Value of lands mortgaged, $1,300,000 00 

Value of buildings thereon 2,164,875 00 

Amount of insurance held as collateral 850,528 00 



226 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Premiums in course of collection (gross), 
Rents due and accrued, 
Non-resident tax due, 

Gross assets, .... 
Deduct special deposits in other States, 

Balance, 



Liabilities 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risk; 
Commissions and brokerage, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



1585,147 57 

1,083 08 

16,877 70 



$6,767,112 03 
393,849 60 

$6,373,262 43 



$98,124 81 

206,171 28 

25,010 52 

2,509,801 13 

87,772 14 

£2,926,879 88 
158,537 14 



2,768,342 74 

. $3,604,919 69 
. 1,250,000 00 



. £2,354,919 69 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash tire premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 



Gross cash income, 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



$570,755 47 
1,719 66 

$569,035 81 
3,808,149 28 

$4,377,185 09 
585,147 57 



$3,792,037 52 
564,223 02 



sources, 



$3,227,814 50 

78,935 21 

333,214 47 

24,732 65 



$3,664,696 83 



$2,166,824 57 
108,273 62 



$2,058,550 95 
300,000 00 
539,742 49 
222,908 43 
67.224 75 
256,813 70 

£3,445,240 32 



1891.] 



INS. COS. OF OTHER STATES. 



227 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$388,400,705 00 
314,122,625 00 



Premiums. 

$4,643,041 38 
3,830,420 61 



$702,523,330 00 
262,475,661 00 



^8,474,06 1 99 
3,237,111 05 



$440,047,669 00 
13,499,489 00 



?5,236,950 94 
217,348 69 



$126,548,180 00 $5,019,602 25 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (24 per cent.), 

Company's stock owned by directors, 



$64,587,226 00 

39,320,981 00 

2,137,008 00 

6,788,100 00 

300,000 00 

208,400 00 



"HOME INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1853. Commenced business April 13, 1853.] 
Paid-up Capital, $3,000,000. 



DANIEL A. HEALD, President. 



WILLIAM L. BIGELOW, 
THOMAS B. GREENE, 



Secretaries. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $528,000 00 $616,605 00 

District of Columbia bonds, .... 1,100,000 00 1,265,000 00 

Mississippi bonds, 20,000 00 20,000 00 

State of Georgia registered bonds, . . . 25,000 00 25,625 00 

New York city bonds, 500,000 00 510,000 00 

City of Richmond, Va., bonds, . . . 50,000 00 55,000 00 

Topeka City, Kan., Internal Imp. bonds, . . 161,658 07 168,124 39 

City of Council Bluffs, Iowa, Imp. bonds, . 18,600 00 19,158 00 

Nebraska City, Nebraska, Imp. bonds, . . 25,000 00 26,250 00 

Kansas City, Kan., Imp. bonds, . . . 11,000 00 11,330 00 

City of Greely, Col., water bonds, . . . 25,000 00 25,750 00 

Atchison, Kan., Imp. bonds, .... 10,000 00 10,500 00 

New York, L Erie & Western R. R. bonds, . 200,000 00 222,000 00 

New York, Chicago & St. Louis R.R. bonds, . 112,000 00 107,520 00 

New York Central & Hud. Riv. R R bonds, . 100,000 00 126,000 00 

New York & Harlem Railroad bonds, . . 100,000 00 121,000 00 

Valley Railway Company of Ohio bonds, . 100,000 00 104,000 00 

Ohio & West Virginia Railway bonds, . . 100,000 00 115,000 00 

Peoria, Decatur & Evansville Railway bonds, 100,000 00 105,000 00 



228 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cleve , Col , Cin. & Ind. Railroad bond-, 
Louisville, New Albany & Chicago R'y bonds 
West Shore Railway bonds, 
Albemarle & Chesapeake Canal Co. bonds, 
Toledo, A. Arbor & Grand Trunk R'y bond-, 
Jeffersonville, Madison & Tnd. R.R. bond-. 
Toledo, Ann Arbor & Cadillac Railway bonds 
Dunkirk, Warren & Pittsburg R'y bonds, 
Chicago, St. Paul, Minn. & Omaha R'y bonds 
Alabama Central Railroad bonds, . 
Louisville, St Louis & Texas Railway bonds 
Savannah & Western Railroad bonds, 
Virginia Midland Railway bonds, . 
Iowa Central Railway bonds, . 
Des Moines Water Works Co. of Iowa bonds 
Denver Water Company bonds, 
Streator, III., Aqueduct Company bond-. 
1000 shares Fort Wayne & Jackson Railroad 
1000 " Chic, St P., Minn & Omaha Uy 
1000 " N. Y. Central & Hud Riv. R.R , 
500 " Lake Shore & Michigan So. Ry, 
400 " National Broadway Bank, . 
200 " American Ex. Nat'l Bank, N. Y., 
200 " Mercantile National Bank, X. Y. 
200 " Bank of America, X. Y., 
[ 200 " Nat'l Bank of Commerce, X. Y., 
200 " Manhattan Company, N. Y., . 
200 " Merchants 1 Ex. Nat'l Bank, X. Y. 
200 " Nassau Bank, 
200 " Chatham National Bank, X' Y., 
200 " Nafl Buteh's & Drov's B"k, X. Y 
100 " Hanover Xational Bank, N. Y , 
100 " National Bank of the Republic, 
100 " Fourth Xational Bank, N. Y., 
200 " , Holland Trust Company, 
200 " Franklin Trust Co., Brooklyn, 
50 " Metropolitan Trust Company, 
45 " Long Island Loan & Trust Co., 



Par Value. 

$100 000 00 

100,000 00 

100,000 00 

1" 1,000 oo 

100,000 00 

1 "<),000 00 

100,000 

75,000 00 

50,000 00 

50,000 00 

.000 00 

50,000 00 

50,000 00 

25,000 00 

50,000 00 

25,000 00 

10,000 00 

ioo.000 oo 

100,000 00 
100,000 00 
5o. 

10,000 oo 

20,000 00 

,000 00 

2o,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

2o,000 00 

20,000 00 

5,000 00 

4,500 00 



Market Value. 

f 127*500 00 

113,000 00 

101,750 00 

110,000 00 

111,000 00 

116,000 00 

92,000 00 

87,000 00 

59,812 

56500 

43,750 00 

38,625 00 

39,125 00 

22,375 00 

51,500 00 

25,000 00 

10,000 00 

115,000 

110,000 00 

116,375 00 

61,625 00 

.500 00 

30,000 00 

44,000 00 

40,600 00 

37,200 00 

18,300 00 

12,300 00 

17,000 00 

20,750 00 

9,000 00 

35,000 00 

17,500 CO 

17,200 00 

36,000 00 

48,000 00 

14,500 00 

9,000 00 



Securities held as collateral for cash loans : — 

Seattle, Lake Shore & Eastern R R. bonds, 

Toledo, Ann Arbor & Cadillac RV bonds, . 1,840 00 

100 shares second Xat'l Bank, Xew York, . 32,500 00 

100 shares Wells, Fargo & Co. Express, . . 14,200 00 

360 shares Xational Bank of Republic, . . 63,000 00 

United States government bonds, . . . 47,200 00 

Lac. & Pittsburgh Railroad notes, . . . 35,000 00 



$4,980,758 07 $5,695,649 89 

Market Value. Loaned Thereon. 

$10,450 00 



? 10,000 00 

15,000 00 
50,000 00 

40,000 00 
31,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



221) 



Dakota & Great Southern bonds, 
20 shares National Park Bank, New York, 
5 " Market & Fulton Bank, . 
10 " Merchants' National Bank, 
10 " Western National Bank, . 
26 " Irving- National Bank, 

8 " Central National Bank, 

9 " Fourth National Bank, 
5 " American Exchange National Bank, 

10 " National Bank of Commerce, . 

5 " Shoe and Leather National Bank, 

5 " Manhattan Company, 
Des Moines & Ft. Dodge; R.R. bonds, 
500 shares Chatham National Bank, 

50 " Delaware & Hudson Canal Co., 

50 " New York Nat'l Exchange Bank, 

10 " Fourteenth Street Bank, . 
8 " Morris & Essex Railroad Co., . 

Western Union Telegraph Company bond, 
Cleveland & Canton Railroad bond, 
400 shares Chatham National Bank, 
Houston & Texas Central Railroad bond, 
Toledo. Ann Arbor & Grand Trunk R R. bond, 
New Haven & Northampton R R. bond, . 
Seattle, Lake Shore & Eastern R.R. bonds, 
Toledo, Ann Arbor & Ca lillae R.R. bonds, 
Union Pacific R R bonds. 
Louisville & Nashville Railroad bond, . 
Milwaukee, Lake Shore & Western R R. bonds, 
Louisville & Nashville Railroad bonds, . 

Colorado Midland bonds 

Colorado Midland Consolidated bonds, . 

Missouri, Kansas & Texas Railroad bonds, 

Montana Central Railroad bonds, 

45 shares Flint & Pere Marquette Railroad, 

140 shares Chicago & Northwestern Railway, 

Chicago, Milwaukee & St Paul R.R. bonds, 

20 » shares Chicago & Northwestern Railway, 

100 " N. Y , L. E. & W R R , . 

10 ) " Chicago, Mil & St Paul R.R., 

100 " Delaware, Lack. & Western R.R., 

Milwaukee, Lake Shore & Western R R. bonds, 

Montana Central Railway bonds, 

10 shares Wells, Fargo & Co. I^xpress, . 

6 shares Naugatuck Railroad Co., . 

West Shore Registered bonds, . 

Albemarle & Chesapeake Canal Co. bonds, 



Market Value. 

|l,030 00 

5,920 00 

1,110 00 

1,500 00 

1,200 00 

2,340 00 

1,028 00 

1,548 00 

750 00 

1,860 00 

790 00 

915 00 

30,250 00 

51,875 00 
6,125 00 
6,500 00 
1,700 00 
572 00 
1,150 00 
860 00 

41,500 00 
1,000 00 
1,110 00 
1,160 00 
2,850 00 
920 00 
3,360 no 
1,100 00 
8,400 00 
6,540 00 

12,100 00 
2,920 00 

13,472 50 
5,000 00 
3,915 00 

16,240 00 
3,075 00 

23,200 00 
3,400 00 

12,325 00 
6,950 00 
3,660 00 

11,500 00 
1,420 00 
1,470 00 
2,035 00 
5,500 00 



Loaned Thereon. 

$800 00 



} 15,000 00 



25,000 00 

8,000 00 

10,000 00 

300 00 

500 00 

700 00 

25,000 00 

2,500 00 



2,900 00 

2,700 00 
500 00 



)■ 50,000 00 



) 



50,000 00 



2,000 00 

1,500 00 
4,335 00 



$519,335 50 $317,735 00 



230 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liensf) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Premiums more than 3 months due, $4,448 05 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance and salvage, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding rinks, 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, , 
Paid-up capital, 



Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



31, 1891.* 
$1,544,938 96 
, 695,5*. 

13,170 45 

5,095,649 89 

347,735 00 

537,899 90 

37,968 60 

839,888 87 

10,615 82 



$9,723,436 07 
138,125 00 



$9,585,311 07 



$162,956 80 

1,036,553 60 

28,933 34 

11,238,443 74 

493,100 92 

$735,342 82 
4,293,605 00 

129.7T 
150,358 26 

$5,309,025 31 
84,474 40 



5,224,550 91 

. $4,360,760 16 
. 3,000,000 00 



. $1,360,760 16 



$862,341 48 
594 89 



$861,746 59 
6,148.729 89 

$7,010,476 48 
833,055 18 

$6,177,421 30 
1,480,160 75 



$4,697,260 55 



* The company holds, also, instalment premium notes to the amount of $505,233.37, which 
do not enter into nor form any part of the assets of the company, as no portion of them is earned. 
AVhatever value is atached to them would necess mly be counterbalanced by the addition of an 
exactly equal amount to the re-insurance liability, the entire sum consisting of " unearned pre- 
miums." 

t Value of lands mortgaged $1,12S,302 00 

Value of buildings thereon 791,345 00 

Amount of insurance held as collateral 429,525 00 



1891.] INS. COS. OF OTHER STATES. 



231 



$27,833 65 
191,744 28 



$219,577 93 
21,897 56 



Marine premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

]S'et cash marine premiums received, . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



$ 197,680 37 
32,949 23 



$164,731 14 

41,371 28 

253,941 68 

104,992 24 



Gross cash income, $5,262,296 89 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . ■ 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$3,417,779 
766,225 



83 
62 



$2,651,554 21 



$141,545 
21,379 



30 
22 



120,166 08 
300,000 00 
1,033,215 30 
428,015 17 
78,952 65 
329,975 52 

. $4,941,878 93 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 
Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total 

Deduct risks expired and terminated. 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$741,291,181 00 
754,925,735 00 



Premiums. 

$7,444,802 00 
6,148,729 89 



$1,496,216,916 00 $13,593,531 89 
565,607,263 00 4,910,274 89 


$930,609,653 00 
96,627,952 00 


$8,683,257 00 
583,587 00 


$833,981,701 00 

6,135,208 00 

50,165,937 00 


$8,099,670 00 
130,103 00 
191,744 28 


$56,301,145 00 
49,893,080 00 


$321,847 28 
185,591 28 


$6,408,065 00 
647,150 00 


$136,256 00 
11,012 00 



$5,760,915 00 $125,2U 00 



232 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



$91,119,420 00 

54,472,441 00 

2,906,484 00 

119,032 00 

8,515,000 00 

300,000 00 

200,100 00 



"PRESIDENT AND DIRECTORS OF THE INSURANCE COMPANY 
OF NORTH AMERICA," PHILADELPHIA, PA. 

[Incorporated April 14, 1794. Commenced business 1792.] 
Paid-up Capital, $3,000,000. 

CHARLES PLATT, President. GREVILLE E. FRYER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

Boston city bonds, $200,000 00 $206,000 00 

Richmond, Va , city bonds, .... 50,000 00 49,000 00 

Georgia State bonds, 25,000 00 27,500 00 

Baltimore water bonds 200,000 00 208,000 00 

Indianapolis city bonds, 30,^00 00 30,900 00 

Hartford city bonds, . ' 44,000 00 44,880 00 

Toledo city bonds, 21,000 00 22,050 00 

Cincinnati city bonds, • 39,000 00 45,240 00 

Belgian government bonds, .... 49,000 00 49,000 00 

Fall River city bonds, 30,000 00 30,600 00 

Harrisburg city bonds 15,000 00 15,450 00 

Providence city bonds, 25,000 00 27,000 00 

Newark city bonds 20,000 00 20,000 00 

Cleveland city bonds, 30,000 00 31,500 00 

Burlington city bonds, 12,000 00 13,680 00 

East Lincoln (111.), bonds, .... 10,' 00 00 10,00000 

City of Montreal bonds, 111,000 00 111,000 00 

Pennsylvania Railroad bonds, .... 430,000 00 491,600 00 

Philadelphia & Reading Railroad bonds, . 355,000 00 425,250 00 

North Pennsylvania Railroad bonds, . . 8<\000 00 99,300 00 

Belvidere & Delaware Railroad bonds, . . 50,000 00 56,000 00 

Pennsylvania & N. Y. Canal and R R. bonds, . 80,000 00 86,000 00 

Lehigh Valley Railroad bonds, . . . 348,000 00 403,460 00 

Phila, VVil. & Baltimore Kailroad bonds, . 39,000 00 39,390 00 

Delaware Division Canal bonds, . . . 15,000 00 15,000 00 

Lehigh Coal & Navigation Company bonds, . 55,000 00 56,300 00 

Easton & Amboy Railroad bonds, . . . 100,000 00 110,000 00 

Philadelphia & Erie Railroad bonds, . . 150,000 00 169,503 00 



1891.] 



INS. COS. OF OTHER STATES. 



233 



Chicago & Western Indiana Railroad bonds, . 
Northern Central Railway bonds, . 
Pitts., McKeesp't & Youghiogheny R.R bonds, 
The Belt Railroad and Stock Yard Co bonds, 
Bergen County Railroad bonds, 
Car Trust of New York bonds, 
New York & Long Branch Railroad bonds, 
100 shares Philadelphia National Bank, . 
20 4t Philadelphia Bourse, 
228 " Chesap'ke and Delaware Canal Co 

2 ** Pilot Boat " Win W Kerr," . 
Atlantic Mutual Ins Company scrip, 
Phila & Baltimore Central Railroad bonds, 
Delaware & Chesapeake Railroad bonds, 
New York, Lake Erie & Western R R bonds 
Steu enville & Indiana Railroad bonds, . 
Corning, Cowanesque & Antrim R R. bonds, 
Terre Haute & Logansport Railroad bonds, 
Texas & Pacific Railway bonds, 
Louisville & Nashville Railroad bonds, . 
New York, West Shore & Buffalo R R bonds 
San Antonio & Aransas Pass Railway bonds, 
Wrecking Boat " North America," . 
Canada & Atlantic Railroad bonds, . 
Jefferson Railroad bonds, 
McKeesport & Belle Vernon Railroad bonds, 
Baltimore Belt Railroad bonds, 
Elizabeth Railroad of Austria bonds, 
Tioga Railroad bonds, .... 



Par Value. 

$105,000 00 

12,<>00 00 

50,000 00 

50,000 00 

50,000 00 

54,000 00 

150,000 00 

10,000 00 

100 00 

11,400 00 

1,000 00 

25,170 00 

100,000 00 

100,000 00 

231,000 00 

200,000 00 

59,000 00 

50,000 00 

14,000 00 

73,000 00 

25,000 00 

20,000 00 

47,000 00 

20,000 00 

30,000 00 

20,000 00 

30,000 00 

40,000 00 

5,000 00 



Market Value. 

$115,500 00 
13,800 00 
55,000 00 
53,500 00 
55,000 00 
48,600 00 

160,500 00 

24,000 00 

100 00 

500 00 

500 00 

25,170 00 

103,000 00 
95,000 00 

250,100 00 

208,000 00 
61,950 00 
50,000 00 
14,980 00 
81,030 00 
25,250 00 
12,000 00 
47,000 00 
20,000 00 
30,600 00 
23,600 00 
30,600 00 
40,000 00 
5,000 00 



$4,195,670 00 $4,543,880 00 



Securities held as collateral for cash loans : — 



27 shares Pennsylvania Railroad, . 
2 " Penn Co. for Insurance on Lives. 
1 share United Companies of N. J , . 

25 shares Phila. Mortgage and Trust Co , 

30 " Phila Warehouse Company, . 
250 " Real Estate Trust Company, . 

18 " Mine Hill Railroad, . ' . 

100 " Pennsylvania Railroad, . 
100 " Lehigh Valley Railroad, 
300 " Reading Railroad, . 
Reading Railroad bonds, .... 
Buffalo Street Railwa}' bonds, . 
2500 shares Lehigh Valley Railroad, 
Loaned on company's own stock, $1,000 00 



Market Value. Loaned Thereon. 



$1,539 00^ 




1,000 00 i 


$2,000 00 


225 00 ) 




2,500 00 . 


1,300 00 


3,300 00 


3,000 00 


22,500 00 


15,000 00 


1,255 00 


400 00 


5,700 00^1 




5,025 00 j 




6,000 00 )> 


20,000 00 


14,500 00 j 




1,800 00 J 




125,625 00 
3 


100,000 00 


$190,969 00 


$141,700 00 



234 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Bills receivable and salvages, . 

Gross assets, 

Deduct special deposits in other States, . 



31, 1891. 

$307,000 00 

2,547,398 73 

27,035 13 

4,543,8<- 

141,700 00 

770,038 72 

724,253 61 

154,132 40 

120,483 83 



$9,336,522 42 
187,500 00 



Balance, $9,149,022 42 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less re-insurance and salvage, 

Xet amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 
Bills payable, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$103,341 00 

£71 00 

10,253 00 

$634,465 00 
151,099 00 

$483,366 00 

2,833,04:3 43 

760,224 46 

34,100 00 

19,567 15 

$4,130,301 04 
90,048 34 



4,040,252 70 

. $5,108,769 72 
. 3,000,000 00 



$2,108,769 72 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



$474,214 82 
3,919,264 67 

$4,393,479 49 
512.713 96 

$3,880,765 53 
564,330 43 



$3,316,435 10 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$6,659,16-2 00 
2,361,23-2 00 



1891.] 



INS. COS. OF OTHER STATES. 



235 



Marine premiums outstanding Dec. 91, 1890, . $301,407 97 



Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 



2,214,049 44 

$2,515,457 41 
365,672 05 



Entire premiums collected, .... $2,149,785 36 
Less re-insurance and return premiums, . . 537,084 61 

Net cash marine premiums received, . . $1,612,700 75 

Interest received on mortages, 144,518 37 

Interest and dividends received from all other sources, . . 244,777 09 

Income from perpetual deposits, 21,456 56 

Deposits received for perpetual fire risks, . $44,085 32 

Gross cash income, $5,339,887 87 



Expenditures. 

Cash paid for tire losses $2,217,828 49 

Deduct salvage and re-insurance, . . . 106,703 54 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . . $1,559,255 68 
Deduct salvage and re-insurancc, . . . 539,290 47 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

Deposits returned on perpetual fire risks, . $22,628 76 



Gross cash expenditures, . 



>2,111,124 95 

1,019,965 21 
450,000 00 
856,206 15 
238,289 76 
109,872 94 
306,052 66 

. $5,091,511 67 



Uisks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-iusured, 

Net amount in force, . 
Perpetual risks in force (not included 

Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$509,513,587 00 
. 479,184,302 00 

$988,697,889 00 
.441,507,868 00* 

$547,190,021 00 
. 22,916,777 00 

$524,273,244 00 
above), 32,633,545 00 

. $17,035,850 00 
.345,813,664 00 



$362,849,514 00 
.344,874,529 00 



Premiums. 

$4,776,444 83 
3,919,264 67 

$8,695,709 50 
3,546,788 74 

$5,148,920 76 
197,705 26 

$4,951,215 50 
833,571 96 

$210,393 91 
•2,214,049 44 

$2,424,443 35 
2,128,754 39 



.$17,974,985 00 $295,688 96 



23G 



FIRE, MARINE, AND FIRE-MARINE [Doc. 31, 



MlSCELLAM -I'M ■-. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.), . 
Company's stock owned by directors 



09,720,127 00 

2,245,003 00 

1,163,565 00 

11,853,934 00 

45' 

12,190 00 



"INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA. 

PHILADELPHIA, PA. 

[Incorporated April 18, 1794. Commenced business Nov. 5, 1794.] 

Paid-up Capital, $200,000. 

GEO G. CROWELL, President. A. B. EARLE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

20 shares Philadelphia National Bank, . . $2,000 00 $4,800 00 

Phila & Reading Railroad bonds, . . . 13,000 00 11,940 00 

Harrisburg, P. \It. Joy & Lan R R. bonds, . 15,000 00 16,200 00 

Car Trust of New York bonds, . . . 8,000 00 8,000 00 

W abash Railroad bonds 14,000 00 11,620 00 

Chicago & W. Ind Railroad bonds, . . 11,000 00 12,430 00 

Corn., Cow. & Antrim Railroad bonds, . . 11,000 00 11,550 00 

Sham. Sun. & L. Railroad bonds, . . . 10,000 00 10.500 00 

Terre Haute & L Railroad bonds, . . . 20,000 00 21,600 00 

Steubenville & Ind. Railroad bond, . . . 30,000 00 31,950 00 

Long Dock Company bonds, .... 10,000 00 11,800 00 

Pittsburgh Junction Railroad bonds, . . 10,000 00 11,900 00 

St. Paul & North. Pacific Railroad bonds, . 10,000 00 12,000 00 

Sunbury H. & \V. B Railroad bonds, . . 4,000 00 4,200 00 

Northern Central Railroad bonds, . . . 10,000 00 10,500 00 

Quincy City bonds 10,000 00 10,500 00 

Syracuse, G. & C. Railroad bonds, . . . 8,000 00 8,960 00 

200 shares Lehigh Valley Railroad, . . 10,000 00 10,050 00 

Orient Mut. Ins. Co. scrip, .... 8 19 8 19 



$206,008 19 $220,508 19 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $325,121 00 

Loans on mortgage of real estate (first liens*), 91,850 00 

Interest due and accrued thereon, ., . . 1,653 08 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$2-25,000 00 
70,400 00 



1891.] INS. COS. OF OTHER STATES. 



237 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Notes taken for fire risks, . 
Rents due and accrued, 
Re-insurance, etc , 

Reclaimable on perpetual re-insurance, 
Gross assets, .... 



$220,508 19 

1,878 76 

50,541 18 

345 00 

32,282 77 

1,963 25 

9,615 00 

4,851 22 

8,489 15 



$749,098 60 



LlABILITIFS. 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Due for borrowed money, 
Commissions and brokerage, . 

Gloss liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$34,426 00 

223,221 69 

189,701 08 

35,000 00 

5,591 86 



487,940 63 



261,157 97 
200,000 00 



4,157 97 



Income. 

Fire premiums outstanding Dec 31, 1890, . $25,462 27 
Premiums on risks written or renewed, . . 387,828 33 

Total, $413,290 60 

Premiums now in course of collection, . . 32,282 77 

Entire premiums collected, .... $381,007 83 
Less re-insurance and return premiums, . . 83,700 03 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, etc , ........ 

Deposits received for perpetual fire risks, . $17,608 00 



$297,307 80 

4,783 78 

10,073 20 

26,522 65 



Gross cash income, $338,687 43 



Expenditures 
Cash paid for fire losses, . 
Deduct salvage and re-insurance, 
Net cash paid for fire losses, . 
Cash paid for marine and inland losses, 
Cash dividends paid, 



$254,730 36 
27,245 13 



$227,485 23 

52 69 

20,000 00 



238 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Cash paid for commissions and brokerage, .... $63,639 37 

for salaries of officers and employees, . . . 38,500 47 

for State and local taxes, 9,501 63 

for incidentals, 17, 1-47 32 

Deposits returned on perpetual fire risks, . . $7,822 28 

Gross cash expenditures, . • $376,327 71 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



Risks and Premiums. 

Premiums. 

.$43,780,672 00 $450,474 52 



. 43,180,450 00 387,828 33 



.$86,961,122 00 $838,302 85 
. 40,092,435 00 359,177 23 



. §46,868,687 00 $479,125 62 
. 4,252,252 00 44,113 86 



Net amount in force, . . . .$12,616,435 00 $435,01176 
Perpetual risks in force (not included above), 6,461,435 00 207,323 58 



Miscellaneous, 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, 



$19,491,244 00 

15,669,057 00 

164,597 00 

4,226,406 00 

20,000 00 

29,000 00 



"THE JERSEY CITY INSURANCE COMPANY," JERSEY CITY, X. J. 

[Incorporated Feb. 10, 1847. Commenced business Dec. 1, 1856.] 

Paid-up Capital, $250,000. 

NATHANIEL FOOTE, President. CHAS. F. PATTERSON, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

8 shares First National Bank, Jersey City, . 
30 " Second National Bank, Jersey City, 

662 " Jersey City Gas Light Company, . 
17 " People's Gas Light Co , Jersey City, 
97 " New Jersey Ice Company, 



Par Value. 

$4,000 00 

800 00 

3,000 00 

13,240 00 
850 00 

9,700 00 



Market Value. 

$4,730 00 
2.400 00 
9,000 00 

25,156 00 
1.105 00 
9,409 00 



1891.] 



INS. COS. OF OTHER STATES. 



239 



Jersey City bonds, . 
Newark, N. J., city bonds, 



Securities held as collateral for cash loans : - 

20 shares People's Fire Insurance Co., N. Y., . 
10 " Bowery National Bank, New York, . 
90 " American Express Company, . 

3 " Home Insurance Company, N. Y., . 

United States bond, 

157 shares Jersey City Gas Light Compauy, . 

200 

100 

20 

40 

10 

30 



Chicago, Mil. & St. Paul Railroad, . 
Second Nafl Bank, Jersey City, 
First National Bank, Jersey City, . 
First National Bank, Hoboken, 
Western National Bank, N. Y., 
American Ex. Nat'l Bank, Chicago, 



Par Value. 


Market Value. 


$27,000 00 


$27,900 00 


30,000 00 


30,900 00 


$88,590 00 


$110,600 00 


Market Value. 


Loaned Thereon. 


$820 00") 
3,050 00 ] 


> $10,500 00 


10,700 00 > 


1 


440 00 ) 
60 00 ] 


350 00 


5,809 00 


1,000 00 


24,600 00 


16,300 00 


30,000 00 


10,000 00 


6,000 00 ) 
4,000 00 \ 


5,000 00 


1,200 00 


725 00 


4,050 00 


2,000 00 



$90,729 00 $45,875 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $294 26 
Gross assets, 



$72,800 00 

164,881 00 

3,866 17 

110,600 00 

45,875 00 

7,473 55 

10,309 40 

2,797 94 

16,196 37 



$434,799 43 



Liabilities. 

Losses claimed and reported, .... $23,000 00 

Unearned premiums on outstanding risks . 128,380 04 
Reclaimable on perpetual fire policies, . . 828 16 

Commissions and brokerage, .... 2,354 44 

Gross liabilities, except capital, . . . 154,562 64 

Surplus as regards policy-holders, $280,236 79 

Paid-up capital, 250,000 00 

Surplus over capital, $30,236 79 

* Value of lands mortgaged, $191,250 00 

Value of buildings thereon 254,200 00 

Amount of insurance held as collateral, .... 181,400 00 



240 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from brokerage 



$7,180 75 
238 79 



$6,941 96 
194,642 59 

$201,584 55 
16,490 63 

? 185,093 92 
24,571 49 



sources, . 



$160,522 43 

7,753 21 

5,644 26 

3,085 39 

< 51 



Gross cash income, $177,584 80 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



8114,002 11 
5,240 80 



$52 50 



$108,821 31 

15,000 00 

45,473 66 

11,816 10 

3,205 98 

9,848 33 



$194,165 38 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, .... 
Perpetual risks in force (included above), 



$21,^04,347 00 
13,286,656 00 



$34,291,003 00 
11,320,222 00 



Premiums. 

$207,776 01 
194,642 59 

$402,418 60 
148,363 92 



$22,970,781 00 
636,494 00 



$22,334,287 00 
18,650 00 



$254,054 6S 
7,031 74 

$247,022 94 
871 75 



1891.] 



INS. COS. OF OTHER STATES. 



241 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 percent.), . 
Company's stock owned by directors, .... 



$2,382,077 00 

961,300 00 

121,791 00 

581,781 00 

15,000 00 

78,600 00 



"LUMBERMEN'S INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated June 2, 1873. Commenced business Dec. 11, 1873.] 

Paid-up Capital, $250,000. 

LEWIS DAVIS, President. OLIVER H. HILL, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Susquehanna Coal Company bonds, . . $12,000 00 $14,280 00 

Shamokin Valley & Pottsville Railroad bonds, 7,000 00 8,260 00 

Pleasantville & Ocean City Railroad bonds, . 10,000 00 10,700 00 

Steubenville & Indiana Railroad bonds, . . 15,000 00 15,900 00 

Richmond & Danville Railroad bonds, . . 5,000 00 5,700 00 

Hunt'gdon & Broad Top Car Trust certificates, 5,000 00 5,125 00 

Philadelphia & Reading Railroad bonds, . 5,000 00 4,300 00 

Summit Branch Railroad bonds, . . . 10,000 00 10,500 00 

Camden & Atlantic Railroad bonds, . . 7,000 00 7,350 00 

Mortgage Trust Company of Penn. bonds, . 15,000 00 15,250 00 

Pennsylvania Company bonds, . . . 7,000 00 7,490 00 

Chicago, Rock Island & Pacific R.R. bonds, . 10,000 00 10,350 00 

Pittsburgh, Cincinnati & St Louis R R. bonds, 21,000 00 24,360 00 

Car Trust of New York certificates, . . 20,000 00 18,700 00 

Northern Pacific Railroad bonds, . . . 1,000 00 1,030 00 

Grand Rapids & Indiana Railroad bonds, . 10,000 00 8,000 00 

West Jersey Railroad bonds, .... 29,000 00 34,800 00 

Western Pennsylvania Railroad bonds, . . 5,000 00 5,150 00 

Chicago, St. Louis & Pittsburg Railroad bonds, 10,000 00 10,500 00 

Master Builders' Exchange bonds, . . . 10,000 00 10,125 00 

Sunbury, Hazleton &Wilkesbarre R.R. bonds, 8,500 00 8,797 50 

Shamokin, Sunbury & Lewis. Railroad bonds, 10,000 00 10,350 00 

Pennsylvania Steel Company bonds, . . 10,000 00 10,500 00 

Texas & Pacific Railroad bonds, . . . 11,000 00 9,240 00 

Ohio River Railroad bonds, .... 5,000 00 4,750 00 

Lehigh Valley Railroad bonds, . . . 41,000 00 47,520 00 

Cin., Richmond & Fort Wayne R.R. bonds, . 30,000 00 35,250 00 

Detroit, Bay City & Alpena R.R. bonds, . . 10,000 00 9,000 00 

Cambria & Clearfield Railroad bonds, . . 10,000 00 10,350 00 



$349,500 00 $373,627 50 



242 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans 

110 shares Minn. Title Ins. and Trust Co., 
50 " Minn. Loan and Trust Company, 
45 " 13th & 15th St. Pass. Railway, 
97 " Consolidation National Bank, 

200 " Columbus & Xenia Railroad, . 

Denver & Rio Grande Railroad bonds, . 

675 shares Reading Railroad, . 

Pitts., Cin. & St. Louis Railroad bonds, . 

84 shares Citizens' Passenger Railway, . 

Car Trust of New York bonds, 

Manufacturers' Club bond, 

Mortgage assigned, 

100 shares Cambria Mining and M'f'g Co., 



1 



Market Value. 

818,000 00 

8,5.v 
7,000 00 
16,000 00 



Loaned Thereon. 

$14,00' I 

5,000 00 

6,00o 00 
8,0<> 



19,200 00 15,000 00 



9,280 00 
21,000 00 



4,00' 



y 14,500 00 10,000 00 



J 



$113,530 00 $70,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens* 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 



), 



31, 1891. 



$66,535 00 

323,900 00 

8,107 98 

373,627 50 

70,000 00 

69 82 

5,101 01 

1,013 41 

10,449 52 

1,378 00 



$860,182 24 



Liabilities. 

Losses adjusted, unpaid, §5,614 33 

Losses claimed and reported, .... 3,053 00 

Unearned premiums on outstanding risks, . 79,628 35 

Reclaimable on perpetual tire policies, . . 218,409 04 

State and local taxes, 1,700 00 

Commissions and brokerage, .... 800 00 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, 



309,204 72 

$550,977 
250,000 00 

£300,977 52 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$S44,700 00 
400,000 00 
26S.900 00 



1891.] 



INS. COS. OF OTHER STATES. 



243 



Income 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 



Entire premiums collected, . . . . $131,391 84 

Less re-insurance and return premiums, . 18,514 06 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, etc., 



$11,967 94 

129,873 42 

$141,841 36 

10,449 52 



Deposits received for perpetual fire risks, 



,717 74 



$112,877 78 

18,967 00 

24,070 61 

3,346 46 



Gross cash income, $159,261 85 



Expenditures. 
Cash paid for fire losses, $85,927 05 

Deduct salvage and re-insurance, . . . 8,971 01 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, .... 

incidentals, 

Deposits returned on perpetual fire risks, . $4,900 90 

Gross cash expenditures, 



$76,956 04 

20,000 00 

23,000 81 

10,100 00 

3,942 18 

6,510 16 

$140,509 19 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$13,234,088 00 $154,198 58 
. 12,623,723 00 129,873 42 



$25,857,811 00 $284,072 00 
11,679,013 00 119,016 17 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . . . . $13,393,855 00 $155,798 90 

Perpetual risks in force (not included above), 8,866,298 00 242,676 71 



$14,178,798 00 $165,055 83 
784,943 00 9,256 93 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$1,198,19;> uo 

628,343 00 

77,908 00 

228,000 00 

20,000 00 

79,600 00 



244 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"MANUFACTURERS 1 AND BUILDERS 1 FIRE INSURANi 
I OMPANY," NEW YORK, N.Y. 

[Incorporated Nov. 19, 1870. Commenced business Nov. 22, 1870.] 
Paid-cp Capital, $200,000. 
EDWARD V. LOEW, / J. JAY NB8TBLL. 



DETAIL! IEMEXT <T 



United States bond- 

Chic, Burlington & Quincy R R. stock, 

Chic, Rock Island & Pacific R.R. -tock, 

New York Central v\r Hudson Riv R .R stock 

Illinois Central Railroad stock, 

Evansville v£ Terre Haute KM. stock, 

New York City bond-, 

Manhattan Trust Co. -tock, 

Third National Bank stock. 

City Railway Improvement Co. bond, 

Richmond & West Point Terminal \ly Block, 

Charlotte, Columbia and Augusta R.R. Stock, 

Louisville. Evansville & St Louis R.R. bonds 

Ohio Valley Railroad bonds, . 

Richmond and West Ft Terminal R'y bonds, 

Tradesmen's National bank stock, . 

Marshall Coal Company bonds, 

Chicago, Burlington tV: Quincy R R bonds, 

N. Y., Lake Erie & W. Coal & R EL Co. bonds, 

Toledo, Ann Arbor & Cadillac Railroad bonds, 

Cleveland. Cin , Chic. & St Louis R.R. stock, . 



Securities held as collateral for cash loans : — 



Louisville & Nashville Railroad stock, . 
Cleveland, Cin., Chic. A St. Louis R.R. stock, 
New York and Lake Erie R R. stock, 
Louisville, Evansville and St. Louis R R. stock 
Fitchburg Railroad Company stock, 
Eleventh Ward Bank stock, 
Knickerbocker Trust Co. stock, 
Iron Steamboat Co. stock, 
Iron Steamboat Co. bonds, . . . 
Consolidated Tel. & Electric Subway Co. stock 
Texas Pacific Railroad stock, . 
Peoria, Decatur & Evansville Railroad stock, 
Louisville, Evansville & St. Louis R.R. stock, 
Richmond & West Point Terminal R'v stock, 



AMi BOMDfl 

Par Value. 

00 

I 00 
2o,<>o<> 00 

4,o<X> 0o 

40,000 00 

1". 

00 
11,000 00 

00 

- 

00 
. -00 
lu,000 00 



Markf. 

I 50 

-- 

81,00 

00 

2-1,4' 

00 

'0 00 

00 



- 



Market Value. Loaned Thereon. 

"0^1 

3,450 00 [ $3-". 
6,<XX> 00 ! 



■ 00 J 
875 00^ 

oo ! 



- o oo [ 

00 j 

2,725 

I 00 | 
1,462 50 J 



} 11, 



5,000 00 



> 14^ 



1891.] 



INS. COS. OF OTHER STATES. 



245 



Market Value. Loaned Thereon. 



City Railway Improvement Co. bonds, . 
Louisville & Nashville Railroad stock, . 
East Tennessee, Virginia & Georgia R R. stock, 
Louisville, Evansville & St. Louis R.R. stock, . 
Iron Steamboat Co stock, .... 

Rochester Gas Light Co. stock, 
Nassau Gas Light Co. stock, .... 



$10,000 00 

16,900 00" 

1.500 00 

3,000 00 

13,980 00 

85 00 

170 62 



$154,760 62 



$5,000 00 
16,800 00 

8,000 00 
>95,600 00 



Summary of Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens*) 


$70,000 00 




Interest due or accrued thereon, 


819 43 




Stocks and bonds, as per schedule, . 


288,593 50 




Loans on collateral security, as per schedule, 


95,600 00 




Cash in the office of the company, . 


5,296 95 




Cash deposited in bank, .... 


12,178 40 




Interest due and accrued, .... 


4,508 48 




Premiums in course of collection (gross), 


54,199 85 




Gross assets, 




$531,196 61 




Liabilities. 






Losses adjusted, unpaid, 


$33,415 97 




claimed and reported, . 


24,717 69 




disputed or resisted, 


4,576 62 




Total amount of losses, . 


$62,710 28 




Less re-insurance, 


4,229 96 




Net amount of unpaid losses, . 


$58,480 32 




Unearned premiums on outstanding risks, 


187,983 77 




Dividends to stockholders unpaid, . 


105 00 




Due and accrued for rent, salaries, etc., . 


1,708 34 




Due for borrowed money, 


30,000 00 




Commissions and brokerage, . 


10,650 16 




Return premiums, 


4,102 04 




Gross liabilities, except capital, 




293,029 63 




Surplus as regards policy-holders, . 


$238,166 98 


Paid-up capital, 


. 


200,000 00 


Surplus over capital, .... 


$38,166 90 










Amount of insurance held as collateral, 


82, 


JOO 00 



240 FIRE, MARINE, AND FJRE-MAR1XE [Dec. 31, 



Income. 
Fire premiums outstanding Dec. 31, 1890, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less re-insurance and return premiums, 
Nit cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



£37,049 28 
717 59 

$36,331 69 
360,691 47 

?397,023 16 
.04,1 9 'J 

$342,823 31 

4-1. ~ 



other soure- 



17 
$327,627 "1 



EXPENDTTDSI 

( 'ash paid for fire losses, 

Deduct salvage and re-insurance, 

Xet cash paid for tire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local tax 

for lease of building, 

for incidentals, .... 

Gross cash expenditures. .... 



7 91 
15,803 38 



r 53 

12,090 00 
7. 

78 

1 66 
81 

15.514 59 

41 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premium-. 

Premiums. 

$42,212,979 00 $314,239 41 
44,760,403 00 1 47 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Xet amount in force, 



186,973^82 |674 

36,987,329 00 i 59 



$49,986,053 00 $384,434 29 
4.224,443 00 24,652 91 



$45,761,610 00 f359,781 38 



Miscellaneous. 

Premiums received from organization of company. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors 



3 70 00 
1,378,609 00 
- 00 
347. 
12,000 
61.- 



1891.] 



INS. COS. OF OTHER STATES. 



247 



"THE MECHANICS 1 INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

"• t i [Incorporated April 13, 1854. Commenced business May 4, 1854.] 

Paid-up Capital, $250,000.] 
CHARLES J. GALLAGHER, President. SIMON J. MARTIN, Secretary. 



Detailed Statement of Stocks 



Phila , Wilmington & Baltimore R.R. bonds, 
Union Passenger Railway bonds, 
Alleghen} T Car Trust bonds, 
Lombard & South Streets Pass. R'y bonds, 
Steubenville & Indiana Railroad bonds, . 
Borough of Clifton Heights bonds, . 
Pennsylvania Car Trust bonds, 
Schuylkill River, East Side, Railroad bonds, 

St. Louis city bonds, 

Northern Pacific Terminal Company bonds, 

Leavenworth, Kan , city bonds, 

100 shares Union Passenger Railway, 

Columbus & Cincinnati Midland R.R. bonds, 

Harrisburg city bonds, 

Phila. Wilmington & Baltimore R.R. bonds, 

Philadelphia & Erie Railroad bonds, 

Bell's Gap Equipment Trust bonds, . 

North Pennsylvania Railroad bonds, 

Catawissa Railroad bonds, 

Savannah & Western Railroad bonds, 



Securities held as coljateral for cash loans : — 

100 shares Pennsylvania Railroad, . 
200 " Lehigh Valley Railroad, . 
30 " Equitable Trust Company, 



and Bonds. 

Tar Value. 

$5,000 00 
20,000 00 

5,000 00 
20,000 00 
25,000 00 

6,000 CO 

5,000 00 
30,000 00 
10,000 00 
10,000 00 
10,000 00 

5,000 00 
10,000 00 

5,000 00 
10,000 00 
28,000 00 
10,000 00 
11,000 00 

9,000 00 

5,000 00 



Market Value. 

$5,300 00 

21,300 00 

5,000 00 

20,400 00 

26,625 00 

6,000 00 

5,100 00 

31,875 00 

10,000 00 

10,600 00 

10,400 00 

17,100 00 

9,500 00 

5,400 00 

10,000 00 

28,000 00 

10,000 00 

12,237 50 

10,620 00 

3,825 00 



$239,000 00 $259,282 50 

Market Value. Loaned Thereon. 

$5,400 00 ) $13 000 00 
10,000 00 S 
1,500 00 1,200 00 



$16,900 00 $14,200 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $83,500 00 

Loans on mortgage of real estate (first liens*), 296,250 00 

Interest due or accrued thereon, . . . 3,782 94 

Stocks and bonds, as per schedule, . . . 259,282 50 

Loans on collateral security, as per schedule, . 14,200 00 

Cash in the office of the company, . . . 5,335 96 



* Total value of property mortgaged, . 
Amount of insurance held us collateral, 



674t>,550 00 
250,500 00 



248 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross asset- 



27> 

30,487 56 
151 14 



$719,473 72 



Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding rUk-, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital. 



$12,144 72 

22,087 40 

110,119 69 

180,940 35 

7,195 02 
3,504 98 



61 10 



$370,91-. 
',000 00 



Income. 
Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less re-insurance and return premium- 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, etc., .... 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



I 88 
218,346 25 

$243,667 13 

30,487 56 



$213,171 

35,462 12 



sources, . 



$18,249 03 



$177,717 

15,640 41 
14,956 64 

4,970 17 



$218,290 67 



Expenditures. 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for repairs on real estate, . 
Deposits returned on perpetual fire risks, 



Gross cash expenditures, $225,601 97 



$145,880 14 
5,074 88 



$6,51' 



$14 

19.987 00 

4' . a 

11,075 31 
4.2. 

9.265 <0 
130 21 



1891.] 



INS. COS. OF OTHER STATES. 



249 



Risks and Premiums. 



.$19,220,231 00 
. 23,649,278 00 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Perpetual risks in force (not included above), 9,164,056 00 



. $42,869,509 00 
. 20,552,637 00 

.$22,316,872 00 



Premiums. 

$191,766 38 
2 18,3 i 6 25 



$410,112 63 
191,407 35 



$218,705 28 
204,740 15 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$1,643,673 00 

834.465 00 

156,388 00 

380,660 00 

20,000 00 

52.225 00 



"MECHANICS 1 AND TRADERS 1 INSURANCE COMPANY," 
NEW ORLEANS, LA. 

[Incorporated Oct. 15, 1869. Commenced business Nov. I, 1869.] 

Paid-up Capital, $375,000. 

LLOYD R. COLEMAN, President. GEO. H. FROST, Secretary. 



Detailed Statement of Stocks 



United States bonds, .... 

Georgia State bonds, .... 

Louisiana bonds, 

City of New Orleans bonds, 

732 shares Mutual Nat'l Bank of New Orleans 

87 ' 
288 

85 ' 

25 

50 

2 

294 

75 
100 
110 
712 
822 
200 

50 ' 

10 ' 



Union Nat'l Bank of New Orleans 
People's Bank of New Orleans, 
Southern Nat. B'k of New Orleans 
American Nat B'k of New Orleans 
Traders' Nat. Bank of New Orleans 
Mississippi State Bank of Canton, 
New Orleans City & Lake R R., 
St. Charles Street Railroad, . 
Crescent City Railroad, . 
Orleans Street Railroad, . 
New Orleans Gas Light Company 
New Orleans Water Works Co , . 
Standard Guano & Chem.Man.Co. 
Standard Cotton-seed Oil Company 
National Acid Company, 



and Bonds. 

Par Value. 

$10,000 00 

15,000 00 

205,000 00 

11,000 00 

73,200 00 

8,700 00 
14,400 00 

8,500 00 

2,500 00 

500 00 

200 00 

29,400 00 

3,750 00 
10,000 00 

5,500 00 
71,200 00 
82,200 00 
20,000 00 

2,500 00 

1,000 00 



Market Value. 

$11,500 00 

17,550 00 

179,887 00 

11,280 00 

79,788 00 

10,875 00 

33.408 00 

8,500 00 

2,875 00 

500 00 

200 00 

37,926 00 

6,300 00 

8,800 00 

7,810 00 

71,200 00 

69,048 00 

44,000 00 

2,500 00 

1,(>00 00 



250 



FIRE, MARINE, AND FIRE-MA RIXE [Dec. 31, 



25 shares Chambers, Roy & Company, . 
20 " II. Dudley Coleman Mach'y Co., 
14 " New Louisiana Jockey Club, . 
Nashville Ice Company bond, . 



Summary of Assets Dec 
( ;t-h value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Stocks and bonds, as per schedule, . 

ii in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Gross asset- 

Deduct special deposits in other States, . 

Balance, 

Liahilitii 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed of resisted, 

Total amount of losses, . 
Li 38 re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding ru 
Dividends to stockholders unpaid, 
State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holdt 
Paid-up capital, .... 



Surplus over capital. 

Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



Par Value. 

$2,500 00 
2,0' I 
1,400 00 

I 00 



Market Value. 

1,050 00 
00 



7 00 

31, 1891. 
$25,200 
400 00 
,997 00 
3,718 27 
40,766 
96,981 51 
4,955 29 



31. 



|751,968 29 



61,761 43 

■ 4 10 

7:'> 
12. 

$70,994 47 

220,972 94 

00 

2,910 90 

10,523 05 

^324,151 30 
9,952 59 



314,198 77 

$437,71 52 

375,000 00 

$62,76.' : 



$68,866 17 
574,93 

§643,8(»5 92 

93,533 85 



855<V272 07 
159,221 14 






1891.] 



INS. COS. OF OTHER STATES. 



251 



Marine premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

Income from rents, 



$18,987 81 
41,318 12 



$60,305 93 
8,402 95 

$51,902 98 
13,542 96 



Gross cash income, 



$38,360 02 

37,850 97 

1,034 10 

$468,296 02 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$323,452 00 
57,889 76 



$40,955 86 
38,969 24 



$265,562 24 



1,986 62 
37,500 00 
62,044 22 
32,160 00 
13,335 06 
36,620 41 



$449,208 55 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total,. ..... 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1891, . 
Deduct risks expired and terminated, 



. $23,831,983 00 
. 42,897,940 00 

.$66,729,923 00 
. 32,109,773 00 

.$34,620,150 00 
. 5,361,293 00 



.$29,258,857 00 

. $7,193,662 00 
. 7,193,662 00 



Premiums. 

$350,010 83 
574,939 75 

$924,950 58 
429,377 24 

$495,573 34 
79,695 98 

$415,877 36 

$41,318 12 
41,318 12 



M ISCELLANEOUS. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, .... 



$4,937,309 00 

2,227,881 cO 

311,546 00 

17,902 00 

1,084,587 00 

37,500 00 

102,900 00 



252 FIRE, MARINE, AND FIRE-MAEINE [Dec. 31, 



"MERCHANTS' INSURANCE COMPANY OF NEWARK," 

NEWARK, N. J. 

[Incorporated Feb. 18, 1858. Commenced business April 18, 1858.] 

Paid-up Capital, $400,000. 
HENRY POWLES, President. J. EL MULLIKIN*, S^retary. 



Detailed Statement ok Stocks 



Morris & Essex Railroad stock, 

United New Jersey R.R & (anal Co. stock, 

Newark Gas Light Company stock, . 

Citizens' Gas Light Company stock, 

Warren Railroad stock, . 

United States bonds, 

Central Railroad of New Jersey bonds, 

New Jersey Southern Railroad bonds, 

Long Branch & Sea shore Railroad bonds, 

United New Jersey R R & Canal Co. bond-. 

Midland Railroad of New Jersey bond-. 

Morris c\: Essex Railroad bonds, 

North Hudson Railway Company bonds, 

Newark & Bloomfield Horse Car R.R. bonds. 

Orange & Newark Horse Car R R. bond-. 

Belleville & Newark Horse Car R.R. bond-. 

Irvington & Newark Horse Car R.R. bond-. 

State of New Jersey bonds, 

East Orange Street Improvement bonds, 

American Dock & Improvement bonds, . 

Long Branch school bonds, 



ami Bonds. 

l'ar Value. 

$35,000 00 
15,000 00 

10,000 
13,700 00 

36,050 00 
25,00n 
22,000 00 
30,000 00 

5,000 00 
20,000 00 
100,000 00 
40,000 00 
100,000 00 
10,000 00 
25,000 00 

1,000 00 

3,000 00 
10 00 

1.750 00 
50,000 00 
14,000 00 



Market Value. 

33,750 00 

22.' 

26 1 

52,77i 

29.-. 

24,640 

32.7 

24. 
117.' 
54/ 
105.' 

11,000 00 
27." 
1.1' 

3,300 00 
1,02 

.|)00 00 
15,4 



?557,500 00 $695,015 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than 3 months due, §6,992 98 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 



$273,210 10 

416,373 00 

7,465 17 

695,015 00 

8,343 20 

30,618 39 

1,866 43 

133,841 09 

1,574 15 



$1,568,306 ho 
29,250 00 

$1,539,056 53 



* Value of lands mortgaged $4;>o,075 00 

Value of buildings thereon, 593,200 00 

Amount of insurance held as collateral, .... 49S.400 00 



1891.] INS. COS. OF OTHER STATES. 



253 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
L T npaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
State and local taxes, 
Commissions and brokerage, . 
Return premiums and re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, 



$77,662 96 
82,358 15 
15,088 37 

$175,109 48 
4,094 30 

$171,015 18 

653,829 27 

418 00 

4,346 00 

1,042 45 

903 99 

24,494 33 

13,054 69 

£869,103 91 
26,182 95 



$842,920 96 

$696,135 57 
400,000 00 

$296,135 57 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, . 



$122,911 65 
4,449 03 

$118,462 62 
1,034,726 61 

§1,153,189 23 
136,385 04 

$1,016,804 19 
125,542 74 



sources, . 



$891,261 45 

22,670 08 

36,125 50 

8,597 85 

$958,654 88 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . . 
Net cash paid for fire losses, 



|638,972 17 

15,009 79 



$623,962 38 



254 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash dividends paid, 

Cash paid for redemption of scrip, . 

Interest paid scrip^holders, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, . 



$40,000 00 
17 

7 26 

177,606 99 

j .811 65 

22,042 20 

92,496 

$998,874 05 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premium-. 

Premiums. 

$107,230,753 00 $1,200,024 42 
. 92,274,790 00 1,034,726 61 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$199,505,543 00 $2 I 03 

. 84,076,505 00 952,859 07 



$115,429,038 00 $1,281,891 30 
. 2,086,174 00 24,919 01 



$113,342,864 00 $1,256,972 35 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent), . 
Company's stock owned by directors, .... 



$10,871,614 00 
5,792 

714,628 00 

804,219 00 

40,000 00 

,000 00 



"MERCHANTS' INSURANCE COMPANY IN PROVIDENCE," 

PROVIDENCE, R. I. 

[Incorporated May, 1851. Commenced business July, 1351.] 
Paid-it Capital, $200,000. 
"W. T. BARTON, President. W. P. GOODWIN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

1600 shares National Bank of Commerce, . -0,000 00 £89,600 00 

1000 " American National Bank, . . 50,000 00 43,500 00 

400 " Merchants 1 National Bank, . . 20,000 00 27,400 00 

200 " Globe National Bank, . . . 10,000 00 16,100 00 

467 " Providence Gas Company, . . 23,350 00 35,492 



1891.] 



IXS. COS. OF OTHER STATES. 



255 



200 shares Phenix National Bank, . 

257 " Mechanics' National Bank, . 

102 " Manufacturers 1 National Bank, 

100 " St. Paul & Duluth Railroad, . 
Chicago, Burlington & Northern R.R. bonds, 
Eastern Railroad of Minnesota bonds, 



Securities held as collateral for cash loans : — 

14 shares Phenix Nat'l Bank, Providence, R. I., 
New Haven & Derby Railroad bonds, 
50 shares Western Telegraph Company, . 
Wisconsin Central Railroad bonds, . 
10 shares Mechanics 1 Nat'l Bank, Prov., R. I., 
22 " Nat'l Warren Bank, Warren, R. L, . 
88 " Union Railroad, Providence, R, I., . 
Bank book Merchants 1 Savings Bank, Prov., R.I., 
Bank book Mechanics 1 Savings Bank, Prov , R.I., 



Par Value. 

,000 00 
12,850 00 
10,200 00 
10,000 00 
10,000 00 
10,000 00 



Market Value. 

$15,000 00 
14,520 50 
14,025 00 
10,600 00 
10,375 00 
10,250 00 



$246,400 00 $286,862 50 



Market Value. Loaned Thereon 

$1,050 00 
4,800 00 n 



4,200 00 
900 00. 
560 00 

1,210 00 
16,368 00 

4,000 00 
740 00 



$900 00 
7,100 00 



1,600 00 

9,700 00 

2,500 00 

500 00 



$33,828 00 $22,300 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), $110,500 00 

Interest accrued thereon, 1,376 06 

Stocks and bonds, as per schedule, . . . 286,862 50 

Loans on collateral security, as per schedule, . 22,300 00 

Cash in the office of the company, . . . 1,652 50 

Cash deposited in bank, 29,299 14 

Interest clue and accrued, .... 572 95 

Premiums in course of collection (gross), . 37,940 47 

Gross assets,f 



$490,503 62 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, . 



$16,637 76 

27,648 81 

3,708 13 

181,404 47 

327 01 

2,943 13 



232,669 31 



$257,834 31 
200,000 00 

$57,834 31 



* Value of lands mortgaged $133,500 00 

Value of buildings thereon 166,000 00 

Amount of insurance held as collateral, .... 136,500 00 

t Including $25,000 special reserve fund held under Rhode Island law. 



256 FIRE, MARINE, AND FIRE-MARINE [Dc 



I\< OME. 
Fire premiums outstanding Dee 31, 1> 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, $374,751 59 

Premiums now in course of collection, . . 37,940 47 



Entire premiums collected, .... $336,811 12 

Less re-insurance and return premiums, . . 51,766 03 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, 



$36,212 86 
250 00 



f35,962 86 

338,788 73 



$285,045 09 

5,11 B 

16,707 43 

$306,800 50 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for State and local taxes, . 

for salaries and incidentals, 

Gross cash expenditures, . 



$215,327 7_ 
5,444 50 



$209,883 22 

56,21." 

7,94 

4' . 

$322,284 98 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

.$29,138,036 00 $331,01- 
. 30,901,260 00 838,786 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



. $60,039,296 00 $670,407 30 
. 28,951,614 00 309.022 29 



. $ 31,087,682 00 $360,785 01 
584,956 00 6,201 42 



$30,502,726 00 $35 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 per cent.), . 
Company's stock owned by directors, .... 



$6,674,760 00 

4,484,674 00 

229.799 00 

686,000 00 

8,000 00 

43,200 00 



1891.] 



INS. COS. OF OTHER STATES. 



257 



"MICHIGAN FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated February, 1881. Commenced business Marcb, 1831.] 

Paid-up Capital, $400,000. 
D. WHITNEY, Jr., President. EUGENE HARBECK, Secretary. 



Detailed Statement of Stocks and Bonds. 

l'ar Value. 

People 1 s Savings Bank stock, 
Alpena County bonds, 



Cheboygan County bonds, 
Detroit city bonds, 
Marquette city bonds, 



Securities held as collateral for cash loans : — 

Am. Bank & Sav. Association, Detroit, stock, . 
Home Savings Bank stock, .... 



$5,000 00 
51G 00 
12,500 00 
10,025 00 
32,000 00 



$60,041 00 

Market Value. 

$360 00 
660 00 

$1,020 00 



Market Value. 

$8,500 00 
516 00 
12,500 00 
10,025 00 
32,000 00 

$63,541 00 

Loaned Thereon. 

$300 00 
400 00 

$700 00 



Si'mmary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . ' 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, 

Gross assets, 



31, 1891. 

$21,031 18 

653,057 91 

19,220 50 

63,541 00 

700 00 

15,280 44 

19,887 88 

349 58 

99,901 66 

4,128 28 

3,360 83 



$900,459 26 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commission and brokerage, 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$21,651 30 

13,883 10 

3,397 70 

309,934 17 

12,466 06 

8,675 29 



370,007 62 

$530,451 64 
400,000 00 

$130,451 64 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,245,815 00 
505,625 00 
399,750 00 



258 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected,* 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 

Gross cash income, .... 

Expenditures 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, . 



Risks and Premtu 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$75,886 25 
587,418 02 

$603,304 27 
99,901 66 

1563,402 61 

104,725 63. 

$2,864 98 
94,208 48 

$97,073 46 
4,128 28 

$92,945 18 
12,141 03 



sources, 



$323,322 41 
35,350 50 

$60,424 97 
7,802 35 



$458,676 98 



80,804 15 

44,781 61 

2,831 05 

1,031 91 

$588,125 70 



$287,971 91 



52,022 62 
32. 
107,964 08 
13,970 59 
13,654 52 
54,14t 

$562,332 18 



MS. 

Premiums. 

$36,303,782 00 $488,114 95 
44,960,279 00 587,418 02 



$81,264,061 00 $1,075,5: "■_ 
35,880,622 00 469,674 83 



$45,383,439 00 $605,8,"- 
1,529,703 00 21,491 17 



$43,853,736 00 $584,366 97 



1891.] 



INS. COS. OF OTHER STATES. 



259 



Marine risks outstanding Dec. 31, 1890, . 
Marine risks written during 1891, . 



8194,572 00 
7,269,936 00 



Total 

Deduct risks expired and terminated, 

In force at end of year, 



$7,464,508 00 
7,366,758 00 



rremiums. 

$7,973 22 
94,208 48 



$102,181 70 
98,135 05 



$97,750 00 $4,046 65 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, 



$2,992,065 00 

1,524,052 00 

309,873 00 

49,537 00 

118,000 00 

32,000 00 

211,800 00 



" MIDDLESEX MUTUAL ASSURANCE COMPANY," MIDDLETOWN, 

CONN. 

[Incorporated June 2, 1836. Commenced business June 13, 1836.] 

A mutual company. 
O. VINCENT COFFIN, President. C. W. HARRIS, Secretary. 



Detailed Statement of Stocks 



Middletown, Conn., town bonds, 

Middletield, Conn , town bonds, 

Portland, Conn , town bonds, . 

Jeftersonville, Ind., city bonds, 

Evansville, Ind, city bonds, 

Douglas County, Neb., bonds, . 

Delaware and Hudson Canal Company bonds 

Col., Hocking Valley & Toledo R R. bonds, 

American Water Works bonds, 

Nebraska Loan and Trust Company bonds, 

Equitable Mortgage Company bonds, 

Middlesex Banking Company bonds, 

200 shares N. Y. Cent. & Hudson River R R , 

250 ' 

320 ' 

250 ' 

400 

170 

150 



Chic , Rock Island & Pacific R R , 
New York, New Hav. & Hart 11.11 , 
Chicago, Burl. & Quincy R.R., 
Chicago & Northwestern Railroad, 
Middletown National Bank, Conn., 
First Nat 1 ! Bank, Middlet'n, Conn , 



and Bonds. 

Par Value. 

$45,000 00 
5,000 00 
111,000 00 
10,000 00 
5,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
77,000 00 
10,000 00 
10,000 00 
20,000 00 
25,000 00 
32,000 00 
25,000 00 
40,000 00 
12,750 00 
15,000 00 



Market Value. 

$45,000 00 

5,000 00 

111,000 00 

10,000 00 

4,500 00 

10,000 00 

13,900 00 

8,800 00 

10,000 00 

77,000 00 

10,000 00 

10,000 00 

23,200 00 

22,250 00 

71,680 00 

27,125 00 

51,450 00 

17,000 00 

15,000 00 



260 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



85 shares Middlesex Co. N'l B'k, Middlefn, . 
30 " Central Nat'l Bank, Middletown, . 
55 " American Exch NatU Bank, X. Y., 
10 " First Natl Bank, Portland, Conn., . 



Par Value. 

o 00 

to 00 

5,500 00 
1,000 00 



Market Value. 

$8,500 00 

3,000 00 

8,250 00 

1,0 00 



$500,000 00 c 00 



Si m mary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gToss), 
(iross assets, 



Liabilities. 
Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

State and local taxes, 

Commissions and brokerage, . 

Gross liabilities, .... 



Surplus, 



Income 
Fire premiums outstanding Dec. 31, 1890 
Premiums on risks written or renewed, 

Tota' 

Premiums now in course of collection. 



Entire premiums collected, .... $79,153 57 

Less re-insurance and return premiums, . . 4,755 06 

]S'et cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, .... 

Gross cash income, . 



$98,000 00 

>0 00 

56:;.' 

23,097 66 

900 00 

96 81 



$6,606 75 

2,050 00 

132,550 16 

4,019 94 

1,446 45 



- $098,438 47 



$8,430 21 
76,509 17 

$84,939 38 
5,785 81 



146,673 30 



$551,765 17 



$74,398 51 
1.484 

29,8 10 
4,014 19 

$109,716 93 



Expenditures. 
Cash paid for fire losses, -*21,747 



12 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, 



10,765 04 

10,400 00 

5,370 46 

11,771 42 

$60,054 



* Value of lands mortgaged, 
Value of buildings thereon, 



$24 ,2-25 00 
3,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



261 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

. $33,922,935 00 $ 258,452 22 
. 11,299,451 00 76,509 17 



Total,. 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$45,222,386 00 $334,961 39 
, 10,361,634 00 69,771 75 



$34,860,752 00 $265,189 64 
9,750 00 89 31 



$31,851,002 00 $265,100 33 



Miscellaneous. 

Losses paid from organization of company, 
Fire losses incurred during the year, 



$657,947 00 
28,354 00 



"MILWAUKEE MECHANICS' INSURANCE COMPANY, '" 
MILWAUKEE, WIS. 

[Incorporated Feb. 15, 1852. Commenced business April 1, 1852.] 

Paid-up Capital, $200,000. 
CHRISTIAN PREUSSER, President. ADOLF J. CRAMER, Secretary. 



Detailed Statement of Stocks and Bonds. 



Milwaukee city bonds, 

Brown County. Wis., bonds, 

Oshkosh City, Wis , bonds, 

La Crosse City, Wis., bonds, 

St Paul, Minn , city bonds, 

Ramsey County, Minn , bonds, 

Central Map Sur. & Pub. Co , Chicago, stock, 

Mil Underwriters' B'ld'g Assoc'n stock, . 



Securities held as collateral for cash loans 

Grafton Worsted Mills stock, . 
C. Preusser Jewelry Co. stock, 

Mortgage assigned, 

Metropolitan Nat'l Bank stock (Chicago), 



Par Value. 

$214,000 00 

38,000 00 

30,000 00 

35,000 00 

225,000 00 

100,000 00 

1,000 00 

842 00 



Market Value. 

$215,750 00 

41.500 00 

33,300 00 

37,100 00 

242,500 00 

100,000 00 

1,000 00 

842 00 



$643,842 00 $677,992 00 



Market Value. Loaned Thereon. 



815,000 00 

10,000 00 

4,000 00 

30,000 00 



$10,000 00 

6,250 00 

2,000 00 

16,000 00 



$59,000 00 $34,250 00 



2G2 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $40,000 00 
Loans on mortgage of real estate (first liens*), 931,102 60 

Interest due or accrued thereon, . . . 17,083 00 

Stocks and bonds, as per schedule, . . . 677,992 00 

Loans on collateral security, as per schedule, . 34,250 00 

Cash in the office of the company, . . . 19,142 18 

Cash deposited in bank, 76,841 

Interest due and accrued, >5 00 

Premiums in course of collection (gross), . 62,603 60 

Notes taken for fire risks, .... 700 00 

Gross assets, 



$1,800,679 91 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, 



$10,408 49 

33,835 00 

3,097 00 

521,-408 43 
12,520 72 



587,329 64 

. $1,279,350 27 
200,000 00 



1,079,35 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages. 

Interest and dividends received from all other 

Income from rents, etc., .... 



Gross cash income, 



$56,219 34 
697,363 97 

§753,583 31 
62,603 60 

£090,979 71 
71,923 23 



sources, 



$619,056 48 
40,118 43 
34,085 39 
1,87 

1,135 58 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . . . . 

Cash dividends paid, 



$293,065 57 
17,010 77 



$276,654 80 
60,010 00 



* Value of lands mortgaged, $1,794,500 00 

Value of buildings thereon 550,000 00 

Amount of insurance held as collateral, .... 523,40000 



1891.] 



INS. COS. OF OTHER STATES. 



263 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, 



Risks and PrEx\iiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire«risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$69,468,386 00 
52,587,314 00 



$142,675 01 
45,102 44 
20,387 28 
34,989 93 

$579,819 46 



Premiums. 

$952,574 56 
697,363 97 



f 122,055,700 00 $1,649,938 53 
. 45,515,159 00 618,656 97 



. $76,540,541 00 $1,031,281 56 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . . 
Cash dividends declared from organization of company, 
Dividends declared during the year (30 per cent.), . 
Company's stock owned by directors, .... 



£7,816,257 00 

3,727,680 00 

306,744 00 

320,000 00 

60,000 00 

87,830 00 



"MUTUAL FIRE INSURANCE COMPANY IN THE CITY OF NEW 

YORK," NEW YORK. 

[Incorporated Feb. 1, 1869. Commenced business June 19, 1882.] 

Paid-up Capital, $254,369.23. 

J. C. HATIE, President. J. W. DURBROW, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $110,0«j0 00 §131,000 00 

District of Columbia bonds 368,000 00 423,200 00 

Albany & Susquehanna Railroad bonds, . . 40,000 00 48,400 00 

Chicago, Milwaukee & St Paul R R bonds, . 25,000 00 28,000 00 

New York Elevated Railroad bonds, . . 25,000 00 28,250 00 

Rome, Watertown & Ogdensburg R.R bonds, 14,000 00 15,820 00 

St. Paul, Minnesota & Manitoba R R. bonds, . 25,000 00 24,500 00 

Chicago, R I. & Pacific Railroad bonds, . . 38,000 00 44,135 00 

Delaware & Hudson Canal Company bonds, . 35,000 00 50,050 00 

Alabama Central Railroad bonds, . . . 25,000 00 28,625 00 

Chicago & Northwestern Railroad bonds, . 16,000 00 17,000 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 25,000 00 21,000 00 

554 shares Mechanics' National Bank, . . 13,850 00 27,007 50 

280 " Mercantile National Bank, . . 28,000 00 63,000 00 

100 " Fire Association of New York, . 10,000 00 10,000 00 



264 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



118 shares Columbia Bank, 

117 " Import. & Traders' Natl Bank, 

200 " National Citizens' Bank, 

15 " State Trust Company, 
400 " Manhattan Kail road Company, 

15 " National Park Bank, 



Securities held as collateral for cash loans 

Denver & Rio Grande Railroad bonds, . 
Toledo, St. Louis & Kansas City R R. bonds, 
Denver & Rio Grande Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Manhattan Railroad bonds, 

53 shares Fire Association of New York, 
204J '• Armstrong Fire Insurance Co , 
124 " Fire Association of New York, 
160 " Armstrong Fire Insurance Co., 

50 " Fire Association of New York, 



Par Value. 

$11,800 00 

6 A 

1,500 00 

AOjOOO 00 

1,500 00 



Mark<t Value. 

$30,090 00 
00 

3,11 

4 — 



$869,350 00 $1,112. M 

Market Value. Loaned Thereon. 

$16,000 00 $12,00' 
17,100 00^ 
4,000 00 j 
5,100 I 
5,500 00 | 
00 J 
20,460 00 
12.400 00 
16,000 00 
00 00 



28,4<»< 
10 00 



61 "G,850 00 $76,400 00 



Summary of Assets Dec. 31, 1891. 



Stocks and bonds, as per schedule. . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gToss) 
Unpaid dividends, .... 
Bills receivable, .... 
Gross assets, .... 
Deduct special deposits in other States, 



Balance, $ 1,464,11' : 



$1,112,580 00 

76,400 00 

159 04 

40,856 05 

5.216 40 

3,6.' . 

14,000 00 



$1,511,192 21 
47,000 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed, 
Due for borrowed money, 
Re-insurance, ..... 

Gross liabilities, except capital and scrip, 

Surplus as regards policy-holders, . 



62,806 86 

?125,329 43 

0,241 70 

$116, 37 7 

41 55 
3,652 88 
515,618 

14,421 00 



649.815 66 

i C>Q 



1891.] 



INS. COS. OF OTHER STATES. 



2G5 



Paid-up capital, $254 369 23 

Scrip outstanding, not ordered to be redeemed, 646,126 00 

Impairment of scrip, 



$900,495 23 
$86,118 68 



Income. 

Fire premiums outstanding Dec. 31, 1890, . $222,577 79 

Premiums on risks written or renewed, . . 1,921,6H0 24 

Total, $2,144,258 03 

Premiums now in course of collection, . . 252,327 84 

Entire premiums collected, .... $1,891,930 19 

Less re-insurance and return premiums, . . 1,184,179 14 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 



$707,751 05 
45,286 36 



Gross cash income, $753,037 41 



Expenditures. 
Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Interest paid scrip- holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals 



,225,586 23 
248,285 75 



Gross cash expenditures, 



5977,300 48 
12,517 96 
26,466 42 
43,349 44 

140,834 22 
16,119 54 

116,733 41 



$1,333,326 47 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$92,253,488 00 $974,318 83 
.219,154,091 00 1,921,680 24 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



$311,407,579 00 $2,895,999 07 
.182,204,615 00 1,484,005 36 



$129,202,964 00 $1,411,993 71 
.129,188,364 00 1,411,910 61 



$14,600 00 



$83 10 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 

Dividends declared during the year, 

Company's stock owned by directors, . 



^5,545,636 00 

3,330,420 00 

847,138 00 

565,228 00 

12,518 00 

98,543 00 



2m 



FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



"NATIONAL FIRE INSURANCE COMPANY OF HARTFORD 

HARTFORD, CONN. 

[Incorporated Nov. 27, 1871. Commenced business Dec. 1, 1871.] 

Paid-up Capital, $1,000,000. 

JAMES NICHOLS, President. E. G. RICHARDS, Secretary. 

Detailed Statement of Stocks and Bon 

l*ar Value. Market Value. 

Atchison, Topeka & Sante Fe Railroad bonds, $14. $11,100 00 

Buffalo Railway Company bonds, . . . 25,000 CO 24,250 00 

Cleve., Col., Cin. & Ind Railroad bonds, . 35,000 00 44,800 00 

Cincinnati, Dayton & Ironton Railroad bonds, 1<>,000 00 00 

Cincinnati, Hamilton & Dayton Railroad bonds, 15,000 00 18,300 00 

Chicago & Western Indiana Railroad bonds, . 28,000 00 30.240 00 

Chicago & Northwestern Railroad bonds, . 20,000 00 .200 00 

Chicago, Mil. & St. Paul Railroad bon.K. . 60,000 00 68,100 00 

Chicago, Burl. & Quincy Railroad bonds, . 11,100 00 11.532 00 

Columbus & Toledo Railroad bonds, . . 35,000 00 39,750 00 

Columbus & Hocking Valley Railroad bonds, . 1m,000 00 1 1,000 00 

Danbury & Nor walk Railroad bonds, . . . 10,000 00 10,600- 00 

East Tennessee, Va. & Ga. Railroad bonds, . 30,000 00 29,100 00 

Evansville & Terre Haute Railroad bonds, . 10,000 00 9,o< 

Erie Railway bonds, 20,'»00 00 27, 000 00 

Harlem River & Port Chester Railroad bonds, 25,000 00 32,000 00 

Hartford & Conn. Western Railroad bonds, . 10,000 00 10,000 00 

Hannibal & St Joseph Railroad bonds, . . 50,000 00 58,000 00 

Holly, Wayne & Monroe Railroad bonds, . 10,000 00 18,200 00 

Indiana & Lake Michigan Railroad bonds, . 1<»,000 00 10,000 00 

Knoxvillc & Ohio Railroad bonds, . . . 20,000 00 21,200 00 

Louisville, New Albany & Chicago R R. bonds, 20,000 00 21,900 00 

Louisville & Nashville Railroad bonds, . . 10,000 00 11,800 00 

Memphis ft Charleston Railroad bouds, . . 20,000 00 00 

Naumkeag Street Railway bonds, . . . 20,000 00 19,000 00 

Nodaway Valley Railroad bonds, . . . -00 00 00 

Northern Pacific Railroad bonds, . . . 31,000 00 31,620 00 

Norfolk & Western Railroad bonds, . . 22,000 00 21,120 00 

Oregon Railway & Navigation Company bonds, 20,000 00 22,200 00 

Sandusky, Mansf Id & Newark Railroad bonds, 25,000 00 30,750 00 

St. Paul & Northern Pacific Railroad bonds, . 25,000 00 .500 00 

St. Paul, Minn & Manitoba Railroad bonds, . 10,000 00 11,500 00 

Seattle, Lake Shore ft Eastern Railroad bonds, ,000 00 19,200 00 

Cleveland city bonds, 10,000 00 10,800 00 

Covington city bonds, 13,000 00 13,130 00 

Georgia State bonds, 25,000 00 . .000 00 

Hartford city bonds, 18,000 00 19,590 00 

Helena city bonds, 20,000 00 .800 00 

Lincoln city bonds, 12.000 00 12,000 00 

Meriden town boDds, 10,000 00 10,200 00 



1891.] 



INS. COS. OF OTHER STATES. 



2(57 



New Britain city bonds, .... 

Richmond city bonds, .... 

United States bonds, 

West Middle School Dist , Hartford, bonds, 

300 shares Belt Railroad, Indianapolis, . 

200 " Cleveland & Pittsburgh Railroad, 

110 " Chicago, Burl. & Quincy Railroad 

330 " Chicago, R I. & Pacific Railroad, 

167 " Illinois Central Railroad, 

600 " New York, New Hav. & Hart. R.R 

200 " New York & Harlem Railroad, 

500 " N. Y. Central & Hudson Riy. R R 

100 " Oswego & Syracuse Railroad, 

742 " Pennsylvania Railroad, . 

100 " Peoria & Bureau Valley Railroad, 

200 " Pitts , Fort Wayne & Chic. R R , 

250 " jEtna National Bank, 

.70 " Boston National Bank, Boston, 

112 " Charter Oak National Bank, . 

50 " Central National Bank, N. Y., 

40 " City Bank, .... 

100 " Farmers' and Mech. Nat'l Bank, 

50 " First National Bank, Meriden, 

509 " Hartford National Bank, 

50 " Mercantile National Bank, 

100 " Metropolitan National Bank, NY, 

300 " National Exchange, 

75 " Nat. Bank of the Republic, Boston, 

20 " Nat Bank of Commerce, Kan. City, 

450 " Phoenix National Bank, . 

70 " St Paul National Bank, . 

25 " Second National Bank, New Haven, 

100 " Thames National Bank, Norwich, . 

400 " Willimantic Linen Compan\ T , . 

Securities held as collateral for cash loans : - 
6 shares Travelers' Ins. Company, . 



Par Value. 

$6,000 00 

44,900 00 

50,000 00 

26,000 00 

15,000 00 

10,000 00 

11,000 00 

33,000 00 

16,700 00 

60,000 00 

10,000 00 

50,000 00 

5,000 00 

37,100 00 

10,000 00 

20,000 00 

25,000 00 

7,000 00 

11,200 00 

5,000 00 

4,000 00 

10,000 00 

5,000 00 

50,900 00 

5,000 00 

3,700 00 

15,000 00 

7,500 00 

2,000 00 

45,000 00 

7,000 00 

2,500 00 

10,000 00 

10,000 00 



Market Value. 

$6,840 00 
52,000 00 
59,000 00 
26,000 00 
12,500 00 
15,100 00 
11,880 00 
29,040 00 
17,730 00 
135,600 00 
25 500 00 
58,500 00 

9,000 00 
41,552 00 
16,500 00 
30,800 00 
30,000 00 

7,700 00 
11,984 00 

6,500 00 

4,120 00 
11,000 00 

5,700 00 
77,368 00 

4,000 00 

500 00 

18,900 00 

12,150 00 

2,320 00 
57,150 00 

8,400 00 

4,250 00 
14,200 00 
10,000 00 



,426,600 00 81,7 10,106 00 



Market Value. Loaned Thereon. 



$1,650 00 



$ 450 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $61,654 97 

Loans on mortgage of real estate (first liens*), 667,300 00 

Interest due or accrued thereon, . . . 13,285 38 

Stocks and bonds, as per schedule, . . . 1,710,106 00 



* Value of lands mortgaged, 

Value of buildings thereon, . . 
Amount of insurance held as collateral, 



$1,052,700 00 
879,950 00 
551,385 00 



268 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



$450 00 
1,56!) 20 

203,209 59 
2,664 88 

244,557 33 



$2,904,796 80 
140,000 

$2,764,796 80 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income 
Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, $818,381 04 

Deduct salvage and re-insurance, . . . 75,335 72 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



Gross cash expenditures, $1,401,140 07 



$45,703 10 

Ki5,306 73 

11,300 35 

1,105,184 68 

43,258 79 

15,368 78 

$1,326,122 43 
.796 36 



:•*, 07 



. $1,464,470 73 
. 1. i 00 

. $464,470 73 



$171,633 95 

1,880.799 37 

$2,<>52,433 32 

244,557 33 

$1,807,875 99 

270.351 75 



sources, 



$1,537,524 24 

37,963 02 

85.435 90 

2.243 44 

?1,663,166 60 



•045 32 

100,000 00 

■ So 

126,087 74 

89, 

108,19 



1891.] 



INS. COS. OF OTHER STATES. 



269 



Risks and Premiums. 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 18y 1, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$139,977,095 00 
. 169,302,579 00 

$309,279,674 00 
.119,807,860 00 

$189,471,814 00 
. 15,326,546 00 



Premiums. 

$1,810,924 49 

1,880,799 37 

$3,691,723 86 

1,356,691 06 

$2,335,032 80 

190,326 26 



$174,145,268 00 $2,144,706 54 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, 



$11,089,578 00 

5,606,600 00 

815,378 00 

1,677,000 00 

100,000 00 

84,700 00 



"NATIONAL FIRE INSURANCE COMPANY IN THE CITY OF 
NEW YORK," NEW YORK. 

* 

[Incorporated 1838. Commenced business April 9, 1838.] 

Paid-up Capital, $200,000. 

HENRY T. DROWNE, President. J. H. KATTENSTROTH, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

130 shares National Bank of Commerce, . 

100 ' 

150 ' 

8 ' 

8 ' 

10 ' 

5 ' 

10 ( 



American Exchange National Bank 
Manhattan Company Bank, . 
Chicago, Rock Island & Pacific R R 
Chicago & North Western R.R., 
Erie Railroad, .... 
New York, Chicago & St. Louis R R. 
American Dock and Imp. Co , 



New York city water bonds, 



and Bonds. 

Tar Value. 

$70,000 00 

13,000 00 

10,000 00 

7,500 00 

8,000 00 

8,000 00 

10,000 00 

5,000 00 

10,000 00 

116,500 00 



Market Value. 

$82,400 00 
24,310 00 
15,000 00 
13,725 00 
10,000 00 
10,960 00 
13,450 00 
4,750 00 
10,900 00 

120,577 50 



$258,000 00 $306,072 50 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), $9,438 98 

Interest due or accrued thereon, . . . 229 38 

Stocks and bonds, as per schedule, . . . 306,072 50 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$31,700 00 
16,300 00 



270 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



$2,734 43 

6,319 35 

973 75 

40,740 :>l 



$366,514 90 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding ri-ks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, 



$18,740 

13,010 00 

2,302 90 

118,529 05 

520 00 

6,794 41 



159,903 01 
$206,611 95 



$0,011 95 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, $348,544 19 

Premiums now in course of collection, . . 40,746 57 

Entire premiums collected, . . . . $307,797 62 
Less re-insurance and return premiums, . . 80,393 19 

Net cash fire premiums received, . . . 8227,404 43 

Interest received on mortgages, 461 32 

Interest and dividends received from all other sources, . . 11,141 45 

Gross cash income, $239,007 



$36,485 54 
1,506 80 

?34,918 74 
313,625 45 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire ldsses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



$171,403 53 
8,600 12 



$162,803 41 
14,000 00 
56,346 89 
14,618 08 
2,979 10 
12,128 41 



Gross cash expenditures, 



$262,875 89 



1891.] 



INS. COS. OF OTHER STATES. 



271 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

.$23,943,464 00 $246,425 86 
. 28,119,423 00 313,625 45 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



.ft 52,062,887 00 $560,051 31 
. 29,109,147 00 319,127 53 



.$22,953,740 00 $240,923 78 
501,036 00 3,865 68 



.$22,452,704 00 $237,058 10 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent ), . 
Company's stock owned by directors, . 



$5,501,377 00 

3,032,415 00 

173,442 00 

1,102,056 00 

14,000 00 

28,750 00 



"NEWARK FIRE INSURANCE COMPANY," NEWARK, N J. 

[Incorporated May 14, 1810. Commenced business May 14, 1810.] 

Paid-up Capital, $250,000. 

JOHN J. HENRY, President. OSCAR O. BREWER, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, .... 
Orange & Newark Railroad bonds, . 
Essex Passenger Railroad bonds, 
Morris & Essex Railroad stock, 
National State Bank stock, 
National Newark Banking Co. stock, 
Newark City National Bank stock, . 
West Shore Railroad bonds, 
East Orange Improvement bonds, . 



Securities held as collateral for cash loans 
Newark Lime & Cement Co., . 



Par Value. 

$75,000 00 
25,000 00 

5,000 00 
20,000 00 
15,900 00 

7,700 00 
13,250 00 
35,000 00 

2,458 78 



Market Value. 

$88,312 50 
27,500 00 

5,400 00 
28,600 00 
23,850 00 
12,320 00 
19,875 00 
35,825 00 

2,458 78 



$199,308 78 $244,141 28 



Market Value. Loaned Thereon. 

$4,000 00 $3,000 00 



272 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the compan}-, . 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Notes taken for fire risks, 

Rents due and accrued, .... 

Re-insurance, 

Premiums more than 3 months due, $603 55 
Gross assets, 



31, 1891. 

$50,000 00 

342,500 00 

5,197 00 

244,141 28 

3,000 00 

4,038 34 

28,567 34 

1,908 U 

21,712 05 

332 42 

206 66 

737 46 



?7u2,426 30 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 

Income 
Fire premiums outstanding Dec. 31, 1890, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash tire premiums received, 



$7,317 49 
31,115 00 

'0 00 

$42,4:32 49 
1,000 00 

£41,432 49 

151,502 37 

6,263 85 

6i-0 60 

-1 35 



$20,271 80 
203 36 

620,068 44 
245,514 26 



$265,582 70 
22,648 02 

$242,934 68 
39,154 90 



204,380 66 

$498,045 64 
',000 00 

f248,045 64 



$203,779 78 



* Value of lands mortgaged, $331,650 00 

Value of buildings thereon, 53o,450 00 

Amount of insurance held as collateral, .... 446, $00 00 



1891.] 



INS. COS. OF OTHER STATES. 



273 



Interest received on mortgages, .... 
Interest and dividends received from all other sources, . 
Income from rents, 



818,332 GO 

11,423 42 

1,351 00 



Gross cash income, $234,880 80 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and re-insurance, . 
Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



|150,455 82 
11,747 99 



138,707 83 
25,145 00 
43,450 85 
18,743 35 
8,740 00 
13,578 85 



$248,365 88 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Tremiums. 

.$32,226,086 00 $299,819 28 
. 27,835,598 00 245,514 20 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$60,001,684 00 $545,333 54 
26,219,642 00 233,742 54 



.$33,842,042 00 $311,591 00 
. 1,889.827 00 15,906 83 



.$31,952,215 00 $295,684 17 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent), 
Company's stock owned by directors, .... 



$4,123,207 00 

1,877,965 00 

170,224 00 

653,280 00 

25,000 00 

36,395 00 



"NEW HAMPSHIRE FIRE INSURANCE COMPANY," 
MANCHESTER, N. H. 

[Incorporated 1869. Commenced business April, 1870.] 
Paid-up Capital, $700,000. 
JAMES A. WESTON, President. JOHN C. FRENCH, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $125,000 00 $145,000 00 

City of Manchester, N. H , bonds, ... 700 00 700 00 

City of Chicago, 111 , bonds, .... 10,00000 11,00000 



274 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



City of Marietta, Ohio, bonds, . 

City of Concord, N. II., bonds, . 

City of Topeka, Kansas, bonds, 

City of Omaha, Neb., bonds, . 

City of Moorhead, Minn , bonds, 

City of Lincoln, Neb , bonds, . 

Maine Central Railroad bonds, 

Burlington & Missouri River R.R , Towa, bonds 

Chicago, Burlington & Quincy R.R. bonds, 

New York & New England Railroad bonds, 

Union Pacific Railroad bonds, . 

Oregon Short Line Railroad bonds, . 

Boston, Concord & Montreal Railroad bonds, 

Hillsborough County, N. H , bonds, . 

Chicago & West Michigan Railroad bonds, 

Topeka, Kansas, Water Supply Co. bonds, 

Minneapolis Gas Light Co. bonds, . 

Chicago, Burlington & Northern R R. bonds, 

New Hampshire Trust Company bonds, . 

Central Loan and Land Company bonds, 

Johnson Loan and Trust Company bonds, 

Nashua Card and Glazed Paper Co. bond-, 

National Loan and Trust Company bonds, 

Grand Forks Gas and Electric Company bonds 

Sioux City, Iowa, sewerage bonds, . 

Swift & Company, Chicago, bonds, . 

City of Seattle, Wash., bonds, . 

City of Tacoma, Wash., bonds, 

City of East Portland, Ore., bonds, . 

City of Cleveland, Ohio, bonds, 

Old Colony Steamboat Company bonds, . 

Montana Central Railroad bonds, 

Suncoolv Valley Railroad stock, 

Merchants' N*l Bank, Manchester, N. II., stock, 

New York Central & Hudson River R R stock, 

Norwich & Worcester Railroad stock, 

Pemigewasset Valley Railroad stock, 

Chicago, Burlington & Quincy R R stock, 

Illinois Central Railroad stock, 

Chicago, Rock Island & Pacific R.R. stock, 

Amoskeag M'f g Co , Manchester, N. H. stock, 

Pemigewasset N'l B'k, Plymouth, N. H , stock, 

Lake Shore & Michigan Southern R.R. stock, . 

First NatH Bank, Peterborough, N. H , stock, . 

Merchants' Nat'l Bank, Kansas City, Mo , stock, 

Manchester Mills, Manchester, N. H., stock, . 

Quincy Bridge stock, 

Chicago & Northwestern Railroad stock, . 
Boston & Albany Railroad stock and rights, . 



Par Value. 

ilO,00<» 00 
1,000 
10,000 00 
10,000 00 
0,000 00 
31,000 00 
10,000 00 
10,000 00 
29,400 00 
20,000 00 
35,000 00 
10,000 00 
62,000 00 

5,' 
25,000 00 
20,000 00 
20,000 00 
5,000 00 
30,000 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
1<),000 00 
2,161 96 
25,000 00 
10,000 00 
25,000 00 
25,000 00 
50,000 00 
10,000 00 
25,000 00 
10 00 
10,000 00 
10,000 00 
3,100 00 
26,000 00 
44,000 00 
30,000 00 
10,000 00 
10,000 00 
6,000 00 
20,000 00 
5,000 00 
5,000 00 
20 000 00 
7,000 00 
20,000 00 
2,100 00 



Market Value. 

f 11,000 00 

1,2 '0 00 
10,500 00 
10,500 00 

6,000 00 
32,. 

12,000 00 
11,000 00 
32,12^ 00 
23,200 
34.- 

10,300 00 
65,000 00 

5,2 
23,750 00 
2L' 
21,000 00 

5,000 00 
90,1 

20,000 00 
10,000 00 
1",200 00 
10,000 00 

1". 

1 96 
00 
10,000 

27,50 ) 00 
27,500 00 
52,000 00 
10,400 00 
24,250 00 

5,000 00 
12,500 00 
11,700 00 

5,425 00 
31,200 00 
47.520 00 
82,000 (.0 

8300 00 

2 ,000 00 

00 

25,000 00 

00 

00 

25,000 

12,250 00 

23,000 00 

00 



1891.] 



INS. COS. OF OTHER STATES. 



275 



Boston & Maine Railroad stock, 

Stark Mills stock, 

Lancaster Trust Company stock, 



Securities held as collateral for cash loans : - 

8 shares Manchester & Lawrence Railroad, . 

2 " Moline Plow Company, . 

24 " N. Y. Central & Hudson River R 11 , 

3 " Chicago, Burlington & Quincy R.R , 
86 " Chicago, Burlington & Quincy R R , 
36 " Pullman Palace Car Company, 
Mortgage notes guaranteed, .... 
100 shares Westchester Fire Ins Company, 



Par Value. 

$5,000 00 

10,000 00 

2,500 00 



Market Value. 

$8,250 00 

12,000 00 

2,500 00 



$966,961 96 $ 1,072,131 96 



Market Value. Loaned Thereon. 



$1,760 00 

1,800 00 
2,808 00 i 
324 00 S 
9,288 00 ) 
6,300 00 ) 
10,050 00 
1,300 00 



$2,700 00 
2,050 00 

10,000 on 

8,000 00 
1,000 00 



$33,630 00 $ 23,750 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$9,000 00 
550,096 86 
1,072,134 96 
23,750 00 
26,368 19 
76,755 68 
16,123 00 
65,732 51 



$1,839,961 20 



$47,374 20 
46,343 00 

632,215 GQ 
13,146 50 



\35l 91 
951,991 31 



$953,610 71 
181,095 06 



739,079 36 



. $1,100,881 84 
700,000 00 



$100,881 84 



.,019,343 22 
65,732 51 



$769,515 Go 



27G FIRE, MARINE, AND FIRE-MARINE [Dec. 31 , 



Interest received on mortal <xes, 

Interest and dividends received from all other source- 
Received for increased capital, . . . $100,000 00 

Gross cash income, 



Expenditures. 

Cash paid for fire losses, 

( ash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes,. 

for incidentals, 



I 



Gross cash expenditures, 



$*5G,351 80 



?429,214 21 

172,880 G4 

41,o*0 08 

42,74."* 71 



$756,420 72 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

. $92,951,401 00 f 1,172,512 
. 83,782,389 00 951,991 31 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



1176,783,790 00 |2,124,507 26 

. 79,248,109 00 



$97,485,681 00 $1,261,3 

4,541,112 00 5 12 



. $92,944,509 00 $1,208,215 51 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred daring the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent ), . 
Company's stock owned by directors, .... 



•6 00 

4,313,311 00 

449.556 00 

-,500 00 



"NEW YORK BOWERY FIRE INSURANCE COMPANY," 

NEW YORK, N. Y. 

[Incorporated April, 1833. Commenced business September, 1833.] 

Paid up Capital, $300,000. 

HENRY 8ILBERHORN, President. J. FRANK PATTERSON, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Broadway & Seventh Ave. Railroad bonds, . $21,000 00 $21.- 

Central Pacific Railroad bonds, . . . 25,000.00 25, 

Rome, Waterfowl] & Ogdensbnrg R.R. bonds, 2,000 00 2.240 00 

City of Minneapolis bonds, .... 1,000 00 00 



1891.] 



INS. COS. OF OTHER STATES. 



277 



New York city bonds, 

240 shares Koine, Watertown <fc Ogdens. R R , 
300 " N. Y., Lackawanna & Western R.R., 
220 " Chicago & R. I Railroad, 

200 " Omaha Railroad 

600 " N. Y Central & Hudson River R.R., 

400 " Long Island Railroad, . 

100 " Chicago & Northwest. Railroad, . 



Securities held as collateral for cash loans : — 

Chesapeake & Ohio Railroad bond, . 

Union Pacific Railroad bond, .... 

50 shares Orient Bank, 



Par Value. 

$200,000 00 
24,000 00 
30,000 00 
22,000 00 
20,000 00 
160,000 00 
20,000 00 
10,000 00 



Market Value. 

i2't().0l!() (10 

26,8*0 00 

32,550 00 
19,580 00 
22,000 00 
70,200 00 
19,400 00 
11,600 00 



$135,000 00 $452,290 00 



Market Value. 



Loaned Thereon. 



M,140 00 
1,070 00 
2,812 50 



$700 00 
1,000 00 
2,000 00 



$5,022 50 $3,700 00 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens*), 

Interest accrued thereon, .... 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, 

Premiums in course of collection (gross), 

Re-insurance due, 

Gross assets, 

Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc 
Commissions, taxes, etc , . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 



31, 1891. 

$16,200 00 

101 24 

452,290 00 

3,700 00 

832 75 

8,211 68 

5.099 31 

97,334 07 

586 13 



,432 05 
35,929 43 
5,148 13 

$78,509 61 
14,636 56 



$63,873 o5 

127,323 54 

2,102 00 

2,000 00 

35 386 83 



5584,355 21 



230,685 42 



$353,669 79 
300,000 oo 

|53,669 79 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$16,000 00 
30,500 00 

2 1,00 J 00 



278 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Fire premiums outstanding Dee. 31, 1890, 
Premiums on risks written or renewed, . 



72 

314,720 30 



Total, 

Premiums now in course of collection, . 

Entire premiums collected. 

Less re-insurance and return premiums, . 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



•81,370 81 

$641,314 79 
97,334 



1239,260 42 

1 34 
22,052 00 



; 76 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for tire losses, .... 

( ash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



"89 42 

41,649 57 



$266,089 85 
22 097 75 
34. 

31,94> 
_1 45 



2,617 77 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, . 



Risks and Premium-. 

Premiums. 

.•69,154,176 00 $570, 28 - 
. 54,580,438 00 559,937 98 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



•123,734,614 00 f 1,130,060 
. 60,096,401 00 55' ~~ 



.•63.638,213 00 $57 
43 375,166 00 318,639 59 



$20,263,047 00 $254,647 11 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company. . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company. 
Dividends declared during the year (6 per cent ), . 
Company's stock owned by directors, .... 



$9,19S - 1 

2&4,7 4 00 

00 

18,000 
66,625 00 



1891.] INS. COS. OF OTHKR STATES. 



279 



"NIAGARA FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated July, 1850. Commenced business August, 1850.] 

Paid-up Capital, $500,000. 

PETER NOTMAN, President. GEORGE C. HOWE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $595,000 00 $690,100 00 

Jersey City bonds 44,000 00 51,095 00 

Albany & Susquehannah Railroad bonds, . 30,000 I 39,<>00 00 

Chicago, Milwaukee & St, Paul R R. bonds, . 50,000 00 58,500 00 

Fremont, Elkhorn & Mo. Valley R R. bonds, . 40,000 CO 49,200 00 

James River Railway bonds 25,000 00 26,875 00 

New York Elevated Railway bonds, . . 20,000 00 23,000 00 

Lake Erie & Western Railway bonds, . . 50,000 00 54,500 00 

Morris & Essex Railway bonds, . . . 21,000 00 28,600 00 

New York, Chicago & St Louis R R. bonds, . 56,000 00 53,690 00 

Kings County Elevated Railroad bonds, . . 20,000 00 20,000 00 

Chateaugay Ore and Iron Company bonds, . 25,000 00 26.250 00 

St. Paul, Minn , Gas Light Company bonds, . 15,000 00 16,200 00 

Town of Lake, 111., Gas Company bonds, . 20,000 00 20 600 00 

Kansas City water bonds 10,000 00 10,000 00 

Equit. Gas Light Company of Chicago bonds, 25,000 00 25,000 00 

60 shares Western National Bank, . . 6,000 00 7,200 00 

351 " American Ex. National Bank, . 35,100 00 52,650 00 

110 " Delaware & Hudson Canal Co., . 11,000 00 13,530 00 

1000 " Long Island Railroad, . . . 50,000 00 48,250 00 



$1,148,100 00 $1,320,240 00 



Securities held as collateral for cash loans : — 

Elizabeth, N. J., city bonds, .... 

Alabama Midland Railroad bonds, 

100 shares Delaware & Hudson Canal Co , . 



Market Value. Loaned Thereon. 

$1,700 00 $1,500 00 

1,800 00 1,500 00 

12,400 00 10,000 00 



$15,900 00 $13,000 00 



Summary of Assets Dec. 31, 1891. 

Cash va^e of unencumbered real estate, . $778,600 00 

Loans on mortgage of real estate (first liens*), 26,950 00 

Interest accrued thereon, 701 70 

Stocks and bonds, as per schedule, . . . 1,320,240 00 

Loans on collateral security, as per schedule, . 13,000 00 

Cash in the office of the company, . . . 23,094 87 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$23,750 00 
30,650 00 
30,650 00 



280 



FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Re-insurance, 

Gross assets,* 

Deduct special deposits in other States, . 



Balance, 



$273,852 57 

6,732 07 

268,384 12 

5,948 82 

5,680 48 



$2,723,184 63 
$2,664,684 69 



Liabilities. 

Losses adjusted and reported, . 

Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Reserve for contingent expenses, 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$308,054 79 
32,944 

1,517,799 61 

366 00 

28,236 29 

15,000 00 

11,902,401 04 

38,075 6J 



£274,699 63 
2,667,011 11 

§2,941,710 74 
264.309 25 

82/577,401 49 
639,273 90 

$1,544 42 
37,379 38 

$38,923 80 
4.074 87 

$34,848 93 
8,493 79 



1,864,325 42 



$800,359 21 

00 

$300,:>5:» 21 



8,127 59 



sources, 



26,355 14 

2.713 00 

57,491 41 

17,313 B7 

$2,142,001 01 



Including $250,000 special reserve fund held unuer New York law. 



1891.] 



INS. COS. OF OTHER STATES. 



281 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



,455,818 22 
271,494 71 

$19,958 04 
5,010 57 



f 1,184,323 51 



14,947 47 

49,940 00 

372,721 35 

141,280 00 

48,303 00 

205,143 22 

1,010,658 55 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$353,493,821 00 $3,054,598 66 
. 287,781,673 00 2,667,011 11 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$641,275,494 00 $5,721,609 77 
.266,115,734 00 2,467,600 83 



$375,159,760 00 
. 37,663,702 00 



1,254,008 94 
362,350 57 



Net amount in force, . 

Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, 



$337,496,058 00 $2,891,658 37 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



. $750,884 00 
. 1,449,753 00 

. $2,200,637 CO 
698,650 00 

. $1,501,987 00 
329,093 00 



$23,611 97 
37,379 38 

$60,991 35 
24,932 35 

$36,059 00 
7,702 44 



Net amount in force, 



$1,172,894 00 $28,356 5Q 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$31,124,016 00 

16,168,893 00 

1,305,057 00 

13,907 00 

2,184,000 00 

50,000 00 

191,400 00 



282 



FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



"NORTHWESTERN NATIONAL INSURANCE COMPANY OF 
MILWAUKEE, WISCONSIN," MILWAUKEE, WIS. 

[Incorporated Feb. 20, 1869. Commenced business July 1, 1869.] 

Paid-up Capital, $600,000. 

ALFRED JAMES, President. J. P. M< ORBGOR, n r. ><<ry. 



Detailed Statement of Stocks and Bonds. 

Tar Value. 

United States bonds, $300,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 165,000 00 

Milwaukee, L S & Western R R. bonds, . 50,000 00 

Milwaukee & Northern R.R. bonds, . . . 50,000 00 

Chicago & Northwestern R.R bonds, . '00 

Milwaukee county bonds, .... 67,000 00 

Milwaukee city bonds, 115,000 00 

Waukesha sewerage bonds, .... 30,000 00 



Market Value. 

211,500 00 
61,000 00 
65,500 00 

64,500 00 

117,700 00 
31,800 00 



$827,000 00 $9G3,960 00 



Summary ok Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Miscellaneous, 

Gross assets, 



Liabilities. 



Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding 
Commissions and brokerage, . 
Re-insurance, .... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



risks 



Surplus over capital, 



$125,300 00 

3,893 10 

963,900 00 

.'..241 30 

159,594 69 

3,266 67 

67,551 94 

932 00 

500 00 



$1,630,242 70 



$17,468 57 

46,976 00 

864,444 57 

2,000 00 

$62,444 57 

564,190 06 

16^88 73 

1,317 74 



644,841 10 

$985,401 60 
600,' 00 00 

$385,401 60 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



| "75 00 

604,200 00 
299,550 00 



1891.] 



INS. COS. OF OTHER STATES. 



283 



$66,538 03 
191 30 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, ..... 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$66,346 
695,621 


73 
72 


$761,968 
67,554 


45 
94 


$694,413 51 
86,845 67 


$6,799 
5,729 


00 
16 


$12,528 
932 


16 

00 


$11,596 
3,367 


16 

96 



$607,567 84 



8,228 20 
26,173 86 
44,430 16 



Gross cash income, $686,400 06 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, » 

Gross cash expenditures, .... 



$320,250 05 
6,411 53 



$313,838 52 
4,176 70 
60,000 00 
113,812 22 
(17,093 54 
15,159 62 
57,123 12 

$631,203 72 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

.$87,666,829 00 $1,020,227 92 
. 65,161,186 00 695,621 72 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$152,828,015 00 $1,715,849 64 
58,527,336 00 596,924 34 



|943U0,C79 00 $1,118,925 30 
1,896,215 00 25,217 12 



$92,404,464 00 $1,093,708 18 



284 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . 



Premium* 

$14.0,888 00 $12,478 31 
60,724 00 29 1G 



,612 00 $18,207 47 
167,304 00 16,274 17 



f49,» 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), . 

Company's stock owned by directors, .... 






39,460,487 00 

J 00 

343,445 00 

4,677 
981,000 

318,900 00 



"ORIENT INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1867. Commenced business January, 1872.] 

Paid-up Capital, $1,000,000. 

CHARLES B* WHITING, President. JAMES U. TAINTOR, Secretary. 

Detailed Statement of Stocks ami Bonds. 

Par Value. Market Value. 

504 shares American Nat. Bank, Hartford, . $25,200 00 6 00 

122 " .Etna Nat'] Bank, Hartford, . . 12,200 00 15,250 00 

130 " Charter Oak Xafl Bank, Hartford, 13,000 00 14,300 00 

100 " Farmers' & Mech Nat B'k. Hart., 10,000 00 11,5 

152 " Mercantile Nat. Bank, Hartford, . 15.200 00 15.200 00 
. 62 " Phoenix National Bank, H.-.rtford, 200 00 

186 " Exchange Nafl Bank, Hartford, . 9,300 00 13,485 00 

113 " City National Bank, Hartford. . 11,300 00 12,430 00 

71 " First National Bank, Hartford, . - 7.100 00 

1000 " Hartford Natl Bank, Hartford. . 100,000 00 160,000 00 

100 " Conn Trust & Safe Dep Co., Hart, 10,000 00 16,000 00 

200 " Thames Nafl Bank, Norwich, . .000 00 29,200 00 

80 " First National Bank, Norwich, . 8,000 00 00 

6 " Rockville Nat. Bank, Roekville, . 600 00 690 00 

75 " Metropolitan Nat Bauk, X. Y, . ''00 00 

302 " Mechanics' National Bank, X Y., 7,650 00 15,100 00 

50 " Holland Trust Company, X. Y., . 5,000 00 10,000 00 

50 " Nat Ger -Amer. B'k, St Paul, Minn , 5,000 00 

500 " X. Y , New Haven & Hart. R R , . 50,000 00 113.750 00 

130 " Naagatnck Railroad, . . . 13,000 00 33 - 

100 " Honsatonic Railroad, . . . 10.000 00 5,000 00 

200 " X. Y. Central & Hudson Riv. R R., 20,000 00 .800 00 



1891.] 



INS. COS. OF OTHER STATES. 



285 



50 shares Union Pacific Railroad, . 
100 " Central Pacific Railroad, 
400 " Cleveland & Pittsburgh Railroad, 
200 " Chicago, Burl. & Quincy Railroad, 
200 " Northwestern Telegraph Co , 
Georgia State bonds, 
County of Coffey, Kan., bonds,. 
County of Lyon, Iowa, bonds, . 
County of Dickinson, Kansas, bonds, 
County of Finney, Kansas, bonds, . 
County of Kidder, Dakota, bonds, . 
County of Wichita Kansas, bonds, . 
City of Indianapolis, Indiana, bonds, 
City of Evansville, Indiana, bonds, . 
City of New Brunswick, N. J , bonds, 
City of Council Bluffs, Iowa, bonds, 
City of Richmond, Va., bonds, . 
City of Norfolk, Va , bonds, 
City of Sioux Falls* Dakota, bonds, . 
City of Wichita Falls, Texas, bonds, 
Town of Thomaston, Conn , bonds, 
Town of Pawtucket, R. I , bonds, 
Town of Merrill, Wis., bonds, . 
Medicine Lodge Township, Kansas, bonds, 
Bethany Township, Kansas, bonds, . 
Buckeye Township, Kansas, bonds, . 
Oswego Township, Kansas, bonds, 
Precinct of Stanton, Nebraska, bonds, 
Precinct of Beaver, Nebraska, bonds, 
Vermont Valley Railroad Co. bonds, 
Pitts , Cleveland & Toledo Railroad bonds, 
Kansas Pacific Railroad bonds, 
C , C , Cincinnati & Indianapolis R R. bonds, 
Morris & Essex Railroad bonds, 
Chicago, Mil , & St. Paul Railroad bonds 
Dayton & Michigan Railroad bonds, 
Terre Haute & Logansport Railroad bonds, 
Chicago, Burl & Northern Railroad bonds, 
Ohio & West Virginia Railroad bonds, . 
Columbus & Toledo Railroad bonds, 
Cincinnati, Van Wert & Michigan R R. bonds 
East Tennessee, Va. & Georgia R.R. bonds, 
Oxford & Clarksville Railroad bonds, 
Detroit, Lansing & Northern Railroad bonds, 
Louisville, Cin., & Lexington R.R. bonds, 
Clarksville & North Carolina R.R. bonds, 
Indiana & Lake Michigan Railroad bonds, 
Atch , Topeka & Santa Fe Railroad bonds, 
Chicago, Burl & Quincy Railroad bonds, 



Par Value. 

$5,000 00 
10,000 00 
20,000 00 
20,000 00 
10,000 00 
25,000 00 
10,000 00 
1,000 00 
10,000 00 
10,000 00 
5,000 00 
4,000 00 
20,000 00 
20,000 00 
10,000 00 
5,000 00 
24,000 00 
20,000 00 
13,000 00 
10,000 00 
15,000 00 
25,000 00 
1,000 00 
5,000 00 
4,000 00 
2,955 00 
5,000 00 
8,000 00 
5,000 00 
25,000 00 
10,000 00 
10,000 00 
35,000 00 
10,000 00 
20,000 00 
25,000 00 
10,000 00 
1,500 00 
3,000 00 
13,000 00 
10,000 00 
15,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 
1,100 00 



Market Value. 

$2,350 00 
3,400 00 
31,000 00 
22,000 00 
10,200 00 
30,500 CO 
11,200 00 
1,000 00 
11,000 00 
11,000 00 
5,600 00 
4,200 00 
22,000 00 
20,000 00 
10,700 00 
5,650 00 
33,120 00 
21.800 00 
14,560 00 
10,300 00 
15,900 00 
28,000 00 
1,080 00 
5,500 00 
4,400 00 
3,398 25 
5,250 00 
8,800 00 
5,500 00 
28,750 00 
11,400 00 
10,900 00 
45,250 00 
13,900 00 
25,200 00 
27,250 00 
11,000 00 
1,545 00 
3,510 00 
15,210 00 
9,500 00 
15,000 00 
10,900 00 
10,900 00 
11,000 00 
10,900 00 
20,800 00 
15,150 00 
1,166 00 



286 



FIRE, MARINE, AXD FIRE-MARINE [Dec 31, 



Norfolk & Western Railroad bonds, 
New York & New England Railroad bonds, 
Valley Railroad bonds, .... 
Baltimore Belt Railroad bonds, 
Cincinnati, Dayton & Ironton Railroad bonds 
Atlantic Dock Company bonds, 
Mason and Tazewell District, 111., bonds, 
Rutland and Grafton District, 111 , bond-, 
First Baptist Church, Nashville, Tenn , bonds 
School District, No. 4, Salamanca, N. Y., bonds 
Kansas school bonds, .... 
Nebraska school bonds, .... 
Dakota school bonds, .... 
Minnesota school bonds, .... 
Wyoming Territory school bonds, . 
Colorado school bonds, .... 

Texas school bonds, 

Southwestern Irrigation Company bon 
Arizona Improvement Company bonds, . 



Securities held as collateral for cash loans 

25 shares National Fire Ins Co , Hartford, 

4 " JFtna Fire Ins. Co , Hartford, 

2 " .Etna Fire Ins. Co , Hartford, 
15 " American Nat'l Bank, Hartford. 

5 " Charter Oak Nat"l Bank, Hartford, 

3 " First National Bauk, Hartford, 

5 " Security Company, Hartford, . 

25 M Hartford Trust Company, Hartford 

100 " Collins Company, Collinsville, 

6 " American Screw Co , Prov., R. I., 
35 " Conn. General Life Ins Co , Hart. 

7 " Middlesex Co Nat. B"k, Middlet n 
24 " Adams Express Company, 



Par Value. 

fio,< 

10,000 00 
10,000 
80,000 00 

1<). 

9,00 

25,000 00 

6,000 00 

12, 

6,000 00 

25,297 00 

18,967 

12,000 00 

8,500 00 

8,000 00 

8,000 00 

10,000 00 

5,000 00 

•0 00 



Market Value. 

f 10,000 'jo 
10,600 

21,000 00 
21,000 00 
10,000 00 

0,9'" 
28,250 00 

1:5,500 00 
6,42 
87,161 MS 

20,822 2 j 

13." _ 
9,^ 

50 00 
8,96 ■ 

10,500 00 

I 



$1,181,969 50 f 1,455,976 35 



Market V 
$3,275 

1,000 

500 

525 
300 
675 

3,125 
77-"' 

1,410 

4.725 
735 

3,480 



alne. Loaned Thereon 
00 

00 
00^ 



$600 00 
00 



00 



00 I 

00^ 



)> 1,880 00 



00 [ 

00 j 
00 
00 
00 



4,050 00 

3,000 00 

360 00 

1,350 00 



$21,500 00 $11,940 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 



$22,745 78 

253,972 21 

8,252 45 

1,455,976 35 

11,940 00 

13,900 74 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



1827,315 00 

117.1S0 00 



1891.] 



INS. COS. OF OTHER STATES. 



287 



Cash deposited in bank, .... 
Interest due and accrued. 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



$92,554 10 

17,633 37 

246,779 61 

542 70 



$2,124,297 31 
135,420 00 

$1,988,877 31 



Liabilities. 

Losses adjusted and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, , 
Paid-up capital, .... 



$149,628 37 

5,613 12 

767,850 72 

45,828 43 

$968,920 64 
39,374 38 



929,546 26 



. $1,059,331 05 
. 1,000,000 00 



Surplus over capital, $59,331 05 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$203,721 53 
3,547 59 



$200,173 94 
1,500,689 35 



$1,700,863 29 
243,445 75 

$1,457,417 54 
311,767 16 

$2,723 72 
22,867 99 

$25591 71 
3,333 86 

$22,257 85 
3,928 35 



sources, 



$1,145,650 38 



18,329 50 

15,602 19 

76,274 01 

592 33 

$1,256,448 41 



288 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for lire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$749,868 63 
85,315 52 

118,147 89 
610 28 



$664,553 11 



17,037 61 
6d,<X)0 00 
239,398 62 
.07.:, 17 16 
24,324 71 
85,998 60 

. $1,149,459 81 



Uisks and Premium-. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-iusured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$102,286,607 00 

.117,961,391 00 

$220,247,998 00 

. 92,263,059 00 

$127,984,939 00 

. 9,128,490 00 



Premiums. 

$1,270^ 

0,689 35 

$2,771,669 67 

1,223,839 79 

$1,547,829 88 
85,915 79 



$118,856,449 00 $1,461,914 09 



. $427,115 00 
. 3,878,427 00 

$4,305,542 00 
. 3,726,121 00 



$11,688 50 
7 99 

$34,556 49 

17,863 00 



$579,421 00 $16,693 49 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent), . 
Company's stock owned by directors, .... 



$9,918,043 00 

5,931,623 00 

726,787 00 

15,371 00 
925,000 00 

60,000 00 
109,600 00 



1891.] 



INS. COS. OF OTHER STATES. 



289 



"PACIFIC FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 26, 1851. Commenced business April 29, 1851.] 



Paid-up Capital, $200,000. 



FRANK T. STINSON, President. 



GEORGE JEREMIAH, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds $138,000 00 

New York city bonds, 247,000 00 

Broadway & Seventh Avenue Railroad bonds, 10,000 00 

Syracuse,Binghamton & New York R R. bonds, 5,000 00 

New York Central & Hudson River R R stock, 10,000 00 



Market Value. 

$159,797 50 

248,350 00 

10,500 00 

6,437 50 

11,500 00 



Summary of Assets Dec. 

Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, 

Premiums more than 3 months due, $ 1,048 97 
Gross assets, 



$410,000 00 $436,585 00 

31, 1891. 

$195,900 00 

1,666 12 

436,585 00 

5,291 98 

7,518 67 

3,444 17 

38,453 15 

64 42 



,923 51 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
Due and accrued for rent, salaries, etc., 
Due for borrowed money, 
Commissions and brokerage, 
Return premiums, .... 
Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$13,661 28 

20,810 12 

3,285 00 

$37,756 40 
7,119 75 

$30,636 65 
185,521 43 
383 34 
5,000 00 
9,974 39 
2,500 00 
4,781 75 



238,797 56 

$450,125 95 
200,000 00 



$250,125 95 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$191,900 00 
261,600 00 
229.200 00 



290 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 

Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Gross cash income, . 



EXPRNTOTUBEB, 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and emplo; 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 

Risks and Premiums. 



79 73 
458 17 



130,120 56 



1370,250 18 

39,502 12 

$33' 

75,835 97 



SOU! 



$214,393 33 
28,324 49 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$48,057,326 00 
38,098,446 00 



$86,155,772 00 
37^87316 00 



$48,267,956 00 
4,587,693 00 



$254,91: 
9305 47 

14,009 '.'1 






$186,068 84 
22,000 00 
55,446 04 
18,561 95 
5,569 83 
19,818 80 



$307,465 46 



Premiums. 

$390,973 25 
333,823 62 



$724,790 B7 
315,285 46 



'.oil 41 
44,03: 



$43,680,263 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (11 per cent.). 
Company's stock owned by directors, .... 



74,010 00 

3.121.996 00 
191,257 00 

1,318,000 00 
22.000 00 
47.775 00 



1891.] 



INS. COS. OF OTHER STATES. 



21)1 



"PENNSYLVANIA FIRE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated March, 1825. Commenced business April, 1825.] 

Paid-up Capital, $400,000. 

II. DALE BENSON, President. W. GARDNER CROWELL, Secretary. 



Detailed Statement of Stocks and Bonds. 






United States bonds, 

Philadelphia city bonds, .... 
Phila , Wil. & Baltimore Railroad bonds, 
Philadelphia & Erie Railroad bonds, 
Pennsylvania Railroad bonds, . 
United Companies of New Jersey bonds, 
Easton & Amboy Railroad bonds, . 
Philadelphia & Reading Railroad bonds, 
Philadelphia & Reading Car Trust bonds, 
Phil. & Read. Coal & Iron Co. bonds, 
Phil. & Read. R.R. Terminal Co. bonds, . 
Lehigh Valley Railroad bonds, 
Elmira & Williamsport Railroad bonds, . 
West Jersey Railroad bonds, . 
Pa. and New York Canal and R.R. Co. bonds 
Western Pennsylvania Railroad bonds, . 
Chicago & Western Indiana Railroad bonds, 
The Jacksonville, Louisville &St L.R R. bonds 
Shamokin, Sunbury & Lewisburg R R. bonds 
Corning, Cowanesque & Antrim R R. bonds, 
Terre Haute & Logansport Railroad bonds, 
New York & Long Branch Railroad bonds, 
Northern Pacific Railroad bonds, 
St. Paul & Northern Pacific Railroad bonds, 
Lehigh Valley Coal Company bonds, 
Pittsburgh, McKeesport & Yough. R.R. bonds 
Pitts , Youngstown & Ashtabula R.R. bonds, 
Cleve., Col., Cin. & Indianapolis R R. bonds, 
Buffalo Run, Belle. & Bald Eagle RR. bonds 
Grand Rapids & Indiana Railroad bonds, 
New York, Lake Erie & Western R.R. bonds 
Railroad aid bonds, Kiowa County, Kan , 
Oregon & Pacific Railroad bonds, 
Dixon Water Company bonds, 
Knoxville Water Company bonds, . 
American Steamship Company of Phila bonds 
Lehigh Coal and Navigation Company bonds 



Par Value. 

$45,000 00 
44,000 00 

125,000 00 
75,000 00 
99,000 00 
60,000 00 
50,000 00 
93,500 00 
50,000 00 
20,000 00 
50,000 00 

133,000 00 
25,000 00 
10,000 00 
74,000 00 
4,000 00 
43,000 00 
32,000 00 
20,000 00 
24,000 00 
50,000 00 
25,000 00 
40,000 00 
30,000 00 
25,000 00 
20,000 00 
25,000 00 
30,000 00 
20,000 00 
21,000 00 
23,000 00 
25,000 00 
20,000 00 
7,000 00 
15,000 00 
15,000 00 
20,000 00 



Market Value. 

$53,100 00 
50,130 00 

124,100 00 
84,750 00 

114,390 00 
63,000 00 
55,000 00 
92,665 00 
50,000 00 
20,700 00 
52,000 00 

150,960 00 
30,000 00 
12,000 00 
81,540 00 
4,120 00 
47,300 00 
27,200 00 
20,600 00 
25,200 00 
50,000 00 
26,750 00 
47,200 00 
35,400 00 
25,000 00 
22,000 00 
25,000 00 
35,400 00 
14,000 00 
17,850 00 
25,300 00 
24,500 00 
6,000 00 
6,800 00 
15,000 00 
15,900 00 
22,000 00 



292 FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



Chesapeake and Delaware Canal Co. bond-. 
Delaware Division Canal Company bond-. 
The Pennsylvania Company bonds, 
Car Trust of New York bonds, 
Huntingdon and Broad Top Car Trust bonds 
Huntington County, Ind., bonds, 
Harrisburg city bonds, .... 

St. Louis city bonds, 

Cincinnati city bonds, .... 
City of Springfield, 111., bonds, 
City of Topeka, Kan , bonds, . 
Kansas City, Kan., bonds, 

Newark city bonds, 

Wabash Railroad Company bonds, . 

Pittsburgh Junction Terminal Company bonds 

Newburgh & New York Railroad bonds, 

Northern Central Railroad Company bonds, 

Baltimore & Ohio Equipment Asso. bonds 

Baltimore & Ohio Railroad bonds, . 

Baltimore Belt Railroad bonds, 

West Knoxville General Imp. Company bonds 

Atlantic City Railroad bonds, . 

Camden Horse Railroad bonds, 

200 shares Philadelphia National Bank, . 



Par Value. 

$10,000 00 
26,000 00 

2,000 00 
14,000 00 
40,000 00 
27,000 00 
18,000 00 
25,000 
53,000 00 
45,000 00 
22,600 00 
24,000 00 
20,000 00 
32,000 00 
25,000 00 
15,00' i 
33,000 00 
43,000 00 
50,000 00 
50,000 00 
20,000 00 
30,000 00 
25,000 00 
20,000 00 



Market Value. 

$5,500 

25,000 

2,14 

12,000 00 
40,000 
27,000 00 
18,740 00 

00 
65,580 00 
45,800 
22,600 00 
24,000 00 
21,000 00 

00 
25,000 00 
15.750 00 
-.280 00 
43,000 00 
.000 00 
50,000 00 
22,000 00 
30,900 00 
25,000 00 
48,000 00 



$2,156,100 00 $2,291,305 00 



Securities held as collateral for cash loans : — 



100 shares United Firemen's Insurance Co., 
10 " German-American Insurance Co. 
4875 " Lehigh Valley Railroad, 
95 " Calumet & Hecla Mining Co , 
15 " Manayunk National Bank, . 
100 " Northern Central Railroad, . 
45 " Western National Bank, 
66 " Keystone Watch Case Company. 
Boston United Gas bonds, 
Philadelphia & Reading Railroad bonds, 
105 shares Lehigh Coal and Navigation Co , 
10 shares Commonw'th Title Ins. & Trust Co. 
Pittsburgh, Cincinnati & St. Louis Railway, 
Philadelphia & Erie Railroad, . 
Boston L T nited Gas bonds, 
40 shares Pennsylvania Railroad, . 
GO " North Pennsylvania Railroad, 
100 " Delaware & Bound Brook Railroad 
221 " North Pennsylvania Railroad, 
500 " Union Insurance Company, . 



Market Value. 

$1,500 00 

2,750 00 

246,187 50 

24,700 00 
2,700 00 
6,950 00^ 
4,680 00 • 
3,630 00 , 
4,400 00 j 

63,455 00 
5,145 00) 
645 0<» | 
1,160 00 J 
5,650 

22,000 00. 

28 00 J 

4,980 oo; 

16,000 00 > 

18,343 00 
875 00 > 



Loaned Thereon. 

$1,000 00 

1,600 00 

195,000 00 

10,000 00 

2,000 00 

15,000 00 

,000 00 
10 00 
10 00 

25,000 00 

• 31,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



293 



Market Value. Loaned Thereon. 



959 shares Delaware & Bound Brook Railroad, $137,440 00 $105,000 00 

200 ' Philadelphia & Erie Railroad, . 6,950 00 >> 

100 " Northern Pacilic Railroad, . . 2,600 00 \ 

100 " People's Passenger Railway, . . 5,000 00, 

10 " Ninth National Bank, . " . . 1,430 00 - 

5 " Moorestown National Bank, . . 1,000 00 

5 " Fire Tns. Co. of the County of Phil a , 600 00 . 

Note of Lehigh Valley Railroad Company, . 50,000 00 



10,000 00 

2,500 00 
50,000 00 



$643,050 50 $507,100 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



$134,500 00 

437,020 00 

5,030 09 

2,291,305 00 

507,100 00 

1,806 60 

82,871 17 

2,204 39 

184,153 12 



1,645,990 37 
53,100 00 



Balance, $3,592,890 37 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, .... 



$26,097 02 
113,294 65 

11,350 00 
998,959 40 
668,654 59 

23,500 00 

$1,841,855 66 
23,194 00 



- 1,818,661 66 

. f 1,774,228 71 
400,000 00 



Surplus over capital, . 



. $ 1,374,228 71 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$1,556,800 00 
270,900 00 



294 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends feceived from all other 

Income from rents, 

Deposits received for perpetual fire risk-. 

Gross cash income, .... 



$160,996 27 

1,553,162 10 

$1,714,158 37 

184.15:'. 12 

tt 25 

850,993 99 



sour- 



$1,279,011 26 

14' 
2,838 16 



$47,625 08 



. $1,445,550 01 



Expenditures. 

( 'ash paid for fire losses, 

( lash dividends paid, ...... 

( Sash paid for commissions and brokerage, 
for salaries of officers and emplo\ 
for State and local taxes, . 
for incidentals, 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



$16,4' 



$848,754 41 
60, 

315^59 32 
45,049 
28,96:; 
66,128 15 



. $1,364,754 98 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . $146,462,779 00 $1,801,777 



Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



.128,157 I 1,553,162 10 



$274,620,511 00 $3,354,94" 
. 109,129,513 00 1,348,852 59 



$165,490,998 00 $2,0 

. 7,560,088 00 86,826 40 



$157,930,910 00 $1,919,261 07 



Perpetual risks in force (not included above), 29,042,309 00 727 



Miscellaneous 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent.), 
Company's stock owned by director 



$20,572.:.' : 
12,232,742 00 

54,600 00 



1891.] INS. COS. OF OTHER STATES. 



295 



"PEOPLE'S FIRE INSURANCE COMPANY," MANCHESTER, N. II. 

[Incorporated August, 1885. Commenced business Nov. 17, 1885.] 
Paid-up Capital, $350,000. 



J. C. MOORE, President. 

Detailed Statement of Stocks 

United States bonds, 

Hillsborough County, N. H., bonds, 

City of Manchester, N. H., bonds, . 

City of Portsmouth, N. H , bonds, . 

Chichester, N. H., bonds, . 

Waubunsee County, Kan , bonds, 

State of Illinois drainage bonds, 

James River Valle}' Railroad bonds, 

N. H. Trust Co., Manchester, N. H., bonds, 

Security Mort. & Tr. Co , Cassellton, Dak , bonds, 

Kansas Investment Co , Topeka, Kan , bonds, 

Security Trust Co., Nashua, N. H., bonds, 

St Cloud, Minn , Gas & Electric Co. bonds, 

N. E Loan & Trust Co , Boston, Mass , bonds, 

Nashua Trust Co , Nashua, N. II., bonds, 

Manchester, N. H., Electric Light Co. bonds, 

City of Rapid City, Dakota, bonds, . 

Cleveland, Chagrin Falls & No. R R. bonds, 

Globe Investment Co., Boston, Mass., bonds, 

Jaffrey, N. H., bonds, .... 

50 shares Gran State Tr. Co ,Manchester, N H. 

90 " Security Trust Co., Nashua, N. H., 

88 " First National Bank, Marion, Kan , 

10 " Winchester, N. H., Bank, . 

10 " Woodsville, N. H , Guaran Sav's B'k 

60 " Union Trust Co , Sioux City, Iowa, 

45 " Lake Vil. & Laconia, N. H., W. W'ks 



Securities held as collateral for cash loans : — 

1221 shares Francestown Soapstfn Co., N. II. 

St. Louis & San Francisco Railway bonds, 

24 shares Guaranty Savings Bank, . 

50 Lake Village & Laconia Horse R.R., . 

Mortgage note, J. E Clifford, . 

132 shares Onion Trust Co , Sioux City, Iowa 

44 shares Nashua Trust Co., Nashua, N. II., 
San Miguel Company bonds, ) 

150 shares Laconia Car Co., Laconia, N. II., S 

25 shares Security Trust Co., Nashua, N. II., 



S. B. STEARNS, Secretary. 



and Bonds. 

Par Value. 

$65,000 00 
2,500 00 
1,500 00 

15,000 00 
1,500 00 
5,000 00 
7,000 00 

10,000 00 

25,000 00 
5,000 00 

12,900 00 

23,000 00 
3,000 00 
5,000 00 
5,000 00 

10,000 00 
1,000 00 

20,000 00 
1,900 00 
2,500 00 
5,000 00 
9,000 00 
8,800 00 
1,000 00 
1,000 00 
6,000 00 
2,250 00 



Market Value 

77,025 00 
2,750 00 
1,750 (JO 

16,125 00 
1,590 00 
6,000 00 
8,000 00 

11,500 00 

25,000 00 
5,000 00 

12,900 00 

23,000 00 
3,300 00 
5,000 00 
5,000 00 

11,000 00 
1,100 00 

20,000 00 
1,900 00 
2,500 00 
5,500 00 
9,900 00 

10,120 00 
1,200 00 
1,000 00 
7,200 00 
2,500 00 



$254,850 00 $277,860 00 



Market Value. 

f 12,200 00 
3,600 00 
4,512 00 
4,900 00 
5,750 00 
13,200 00 
4,800 00 



Loaned Thereon. 

$5,000 00 
3,00<> 00 
3,200 00 
3,900 00 
5,000 00 

10,000 00 
4,400 00 



20,000 00 15,000 00 



2,750 00 



2,500 00 



$71,712 00 $52,000 00 



296 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1891. 
Loans on mortgage of real estate (first liens*), $260,682 

1,187 75 

277,860 

52,000 00 

0,089 60 

111,308 70 

7,286 81 

102,(»0o 65 



Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, 
Premiums in course of collection (gro> 
Gross assets, 



Liabilities 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 

Commissions, 

Re-insurance, 

Return premiums, .... 

Miscellaneous, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



$19,760 09 
16,973 03 

'0 00 

$39,033 12 
2,250 00 

$36,783 12 

347,079 34 

15,200 00 

'0 00 

3,100 00 

601 00 



$824,371 11 



404,263 46 

$420,107 65 
350,000 00 

$70,107 



Income. 

Fire premiums outstanding Dec. 31, 1890, . $82,734 37 

Premiums on risks written or renewed, . . 718,680 05 

Total, $801,414 42 

Premiums now in course of collection, . . 95,636 67 

Entire premiums collected, .... $705,777 75 

Less re-insurance and return premiums, . . 143,549 94 

Net cash fire premiums received, . . . £56: 

Marine premiums outstanding Dec. 31, 1890, . $6,936 47 

Premiums on risks written or renewed, . . 26,161 47 

Total $33,097 94 

Premiums now in course of collection, . . 6,368 98 

Entire premiums collected, . . . . $26,728 96 

Less re-insurance and return premiums, . . 1,525 07 

Net cash marine premiums received, . . 25,2 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$301,604 00 

. 231,306 00 

155,050 00 



1891.] 



INS. COS. OF OTHER STATES. 



297 



Interest received on mortgages, 8 17,877 :il 

Interest and dividends received from all other sources, . . 21,172 91 

Gross cash income, $620,481 92 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$361,478 11 
24,605 10 



0336,873 01 
25,055 66 
21,000 00 
117,682 25 
24,440 97 
9,126 59 
39,867 69 



$574,046 17 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



841,370,157 00 
52,324,966 00 



Premiums. 

$542,313 13 
718,680 05 



$93,695,123 00 
33,817,435 00 

$59,877,688 00 
5,217,577 00 



1,260,993 18 

562,700 45 

§698,292 73 

52,933 65 



$54,660,111 00 $645,359 08 



$814,350 00 
935,762 00 

$1,750,112 00 
986,916 00 



324,091 73 

26,161 47 

$50,253 20 

28,108 70 



$763,196 00 $22,144 50 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Fire losses incurred during the vear 

Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$2,641,243 00 

1,399,384 00 

342,777 00 

20,201 00 

61,500 "ii 

21,000 00 

104,600 00 



298 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"PHENIX ENSURANCE COMPANY,' 1 BROOKLYN, X. Y. 

[Incorporate'] Sept. 10, 1853. Commenced business Sept. 10, 1 • 
Paid-up Capital, $1,000,000. 
GEORGE P. SHELDON, Pretident. CHARLES C. LITTLE, 



Detailed Statement gf Sto< k- 



United States bond-, .... 

New York Cif\' bonds, .... 
Nassau Gas Light Co , Brooklyn, certificat 
People's Gas Light Co , Brooklyn, bonds, 
Equitable Gas Light Co , New York, bond-. 
Eqnitable Gas Light Co., X. York, certific 
Ohio Southern Railroad bond-, 
New York Elevated Railroad bonds, 
Smithtown & Port Jefferson Railroad bond-. 
Broadway cV- Seventh Avenue R.R bond-. 
N. Y , Brooklyn & Manhattan Beaeli K R bonds 
Philadelphia & Reading Railroad bond-. 
Kings County Elevated Railway bonds, . 
Paeitic Railroad Co of Missouri bonds, . 
Knoxville & Ohio Railroad bonds, . 
Toledo & Ohio Central Railroad bonds, . 
Chesapeake & Ohio Railway bonds, 
Michigan Central Railroad bonds, . 
Atchison, Topeka & Santa Fe R R. not 
Louisville, St Louis & Texas Railway bond-. 
Louisville & Nashville Railroad bonds, . 
Chicago, Mil. & St Paul Railway bonds, 
Milwaukee & Northern Railroad bonds, . 
Calvary Cein., Greenpnt & B'klyn R.R. bonds 
Missoula County, M. T., bonds, 
U. S. Illuminating Company bonds, 
Lake Gas Company of Chicago bonds, 
Lehigh & Wilkesbarre Coal Company bonds, 
Brooklyn City Railroad bonds, 
Board of Trade, Chicago, certificate, 
550 shares Brooklyn City R R., Brooklyn, 
200 > 

50 
500 ' 
500 ' 
300 ' 

50 ' 
300 ' 
286 ' 



Central Park. X & E. R. R R , N.Y. 
Dry Dock, E B'dwy & Battery R.R. 
New York & Harlem Railroad, 
Metropolitan National Bank, N Y. 
American Ex Nat Bank, X". Y . 
Xat Shoe and Leather Bank, X. Y. 
St. Nicholas Bank, New York, 
Nat. Bank of the Republic, N. Y., 



and Bonds. 

Par Value. 

.000 00 
462,000 

17,0'm. 
10,000 oo 

10,000 

25,000 00 

10,000 00 

15.oi.io 00 

'.000 00 

60,000 00 

00 

100,00» I 

.000 00 

25,000 00 

25,000 00 

.000 00 

■,000 00 

25,000 00 

25,000 00 

13,000 00 

.000 00 

.17. 

12,000 
25,000 00 
50,000 00 
25,000 
10,000 00 
00 
5,50' 

20,000 00 
5,0t" 

25,000 00 
18,500 00 
30,000 00 
5,000 00 
90,< 
.-,600 00 



Market Value. 

501,8i 

17. 

10.. 

l".: 

_ 
28,25o 00 
10,70 
15,600 

43,00" 

00 
99,500 00 
27,000 00 
26,000 00 

.750 00 
25,000 00 
50,000 00 
22,500 00 
25. _" 

1 3,000 00 
28,000 00 
41,070 00 
13,200 00 

.500 00 
51,000 00 
27,500 00 
D'.~" 

00 
50 00 
24,000 
10 00 

1.4- 
45,600 

00 
37,500 00 
51,480 00 



18U1.] 



INS. COS. OF OTHER STATES. 



299 



87 shares National Bank of Commerce, N. Y., 

200 " Fourth National Bank, New York, . 

100 " Mercantile National Bank, N. Y , . 

200 " National Park Bank, New York, . 

323 " Chatham National Bank, NY, . 

80 " Commercial Bank, Brooklyn, N. Y , 

408 " Mechanics' Bank, Brooklyn, N. Y., 

128 " National City Bank, Br'klyn, N Y., 

80 " Nat Bank of Illinois, Chicago, 



Tar Value. 

$8,700 00 

20,000 00 

10,000 00 

20,000 00 

8,075 00 

4,800 00 

20,400 00 

6,400 00 

8,000 00 



Market Value. 

$16,312 50 
34,400 00 
22,500 00 
62,000 00 
33,915 00 
7,680 00 
55,080 00 
28,160 00 
21,600 00 



,742,675 00 $2,094,255 50 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest accrued thereon, . 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, . 

Interest due and accruecl, . 

Premiums in course of collection (gross) 

Rents due and accrued, 

Gross assets 

Deduct special deposits in other States, 



Balance, 



>1,723,701 95 

167,675 00 

2,732 87 

2,094,255 50 

589 64 

546,567 24 

7,849 14 

1,226,402 32 

3,777 17 



$5,773,550 83 
206,500 00 

$5,567,050 83 



Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Due and accrued for rent, salaries, etc , 

Commissions and brokerage, . 

Return premiums and re-insurance, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, .... 



$245,177 53 
35,074 14 

3,689,986 23 

•1,724 19 

168,134 85 

86,364 07 

$4,226,461 01 
122,407 89 



4,104,053 12 



Surplus over capital, 



11,462,997 71 
1,000,000 (><) 

$462,997 71 



* Value of lands mortgaged $131,250 00 

Value of buildings thereon, 1 '.>'.» ,.">00 00 

Amount of insurance held as collateral 163,300 00 



300 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Fire premiums outstanding Dec. 31,1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premium! 

Net cash fire premiums received, 

Interest received on mortgages. 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



fl,041,179 68 
1,739,281 33 



15,780,461 oi 

i._ 32 

14,564,058 09 

629,260 71 

.- 

7 53 

sources, . . 92, 

91,857 96 



$4,120,384 09 



Expenditures, 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



71,104 
$ 

100,000 00 
77fi 

64,701 82 
346,619 



. $3,870,869 25 



Fire risks outstanding Dec. 81, 1890, 
Fire risks written during 1891, 



Risks and Premium-. 

Premiums. 

$526,244,532 00 $6,964,00 
.398,017,209 00 4,739,281 33 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$924,261,741 00611,703,286 17 
. 364,486,991 00 4,437,624 31 



$569,774,750 00 $7,265,661 86 
12,646,061 00 132,718 03 



$547,128,689 00 ?7, 132,943 83 



Miscellaneous, 

Premiums received from organization of company, 
3CS paid from organization of company, . 

Fire losses incurred during the year 

Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, 



$81,1 

41,920,754 00 
4,112 00 
3,174,00 

I 00 
. - J 00 



1891.] INS. COS. OF OTHER STATES. 301 



"PEKEN1X INSURANCE COMPANY;' HARTFORD, CONN. 

[Incorporated May, 1854. Commenced business June, 1854.] 

Paid-up Capital, $2,000,000. 

D. W. C. 8KTLTON", President. GEO. H. BURDICK, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

300 shares ^Etna National Bank, Hartford, . $30,000 00 $37,500 00 

1000 " American Nat'l Bank, Hartford, . 50,000 00 71,500 00 

50 " Atlantic Trust Company, N. Y , . 5,000 00 22,500 00 

150 " Central Trust Company, N. Y , . 15,000 00 180,000 00 

162 " Charter Oak Nat'l Bank, Hartford, 16,200 00 17,820 00 

1C0 " City Bank, Hartford, . . . 16,000 00 16,800 00 

100 " Connecticut River Bank, Hartford, 5,000 00 5,100 00 

300 " Farm, and Mec.N'l Bank, Hartford, 30,000 00 33,600 00 

175 " First National Bank, Wallingford, 17,500 00 19,250 00 

400 " Franklin Trust Company, N. Y., . 40,000 00 96,000 00 

1030 " Hartford National Bank, Hartford, 103,000 00 164,800 00 

400 " Hartford Trust Co., Hartford, . 40,000 00 52,000 00 

100 " Home National Bank, Meriden, . 10,000 00 12,300 00 

100 " Imperial Bank, Toronto, Ont., . 10,000 00 18,100 00 

250 " Metropolitan National Bank, Cin , 12,250 00 500 00 

108 " Merchants' Exch. Nat'l B'k, N. Y., 5,400 00 6,804 (W 

800 " Mercantile Nat'l Bank, Hartford, . 80,000 00 80,000 00* 

100 " Nat'l Shoe and Leather B'k, N. Y., 10,000 00 16,000 00 

340 " National Exch. Bank, Hartford, . 17,000 00 24,650 00 

250 " Nat'l Ger.-American B'k, St. Paul, 25,000 00 32,750 00 

200 " New Britain N'l B'k, New Britain, 20,000 00 32,000 00 

750 " Phoenix National Bank, Hartford, 75,000 00 98,250 00 

200 " State Bank, Hartford, . . . 20,000 00 20,600 00 

440 " Waterbury Nat'l B'k, Waterbury, 22,000 00 44,000 00 

300 " Avon, Geneseo & Mt. Morris R.R., 30,000 00 31,200 00 

500 " Chic , Burlington & Quincy R.R., . 50,000 00 55,000 00 

1100 " Chic , Rock Island & Pacific R.R., . 110,000 00 99,000 00 

250 " Chicago & Alton Railroad, . . 25,000 00 35,000 00 

500 " Cleveland & Pittsburgh Railroad, 25,000 00 38,750 00 

500 " Fort Wayne & Jackson Railroad, . 50,000 00 58,000 oo 

120 " Hartford & Conn. Western R.R., . 12,000 00 3,360 00 

1000 " Illinois Central Railroad, . . 100,000 00 109,500 00 

1000 " Morris & Essex Railroad, . . 50,000 00 76,600 00 

1500 " N. Y., N. II. & Hartford Railroad, 150,000 no 310,500 00 

250 " New York & Harlem Railroad, . 12,500 00 33,750 00 

500 " N. Y. Cent. & Hudson River R R , 50,000 00 59,500 oo 

500 " Peoria & Bureau Valley Railroad, 50,000 00 85,000 00 

500 " Pittsburgh, McKeesport & Y. R.R., 25,000 00 8 1,000 00 

500 " Rensselaer & Saratoga R.R. Co., . 50,000 00 87,000 00 

660 " Holyoke Water Power Company, 66,000 00 198,000 oo 

1600 " North Western Telegraph Co., . 80,000 0" 81,600 00 



802 



FIRE, MARINE, AM) FIRE-MARINE [Dec. 81, 



Atlantic Mutual Insurance Company scrip, 
Georgia State bonds, .... 
Atlantic Dock Company bond-. 
Ashland, Oregon, Water bonds, 
Brantford, Canada, city bonds, 
Guelph, Canada, city bonds, 
Victoria, Canada, bonds, .... 
Columbus, O., Improvement bond-. 
Fostoria, O., water bonds, .... 
Hannibal school, Mo., bonds, . 
Leavenworth city and Ft. [/worth water b'da 
Council Bluffs, Iowa, Improvement bonds, 
Northwestern Telegraph Company bonds. 
Naumkeag Street Railway Company bonds, 
St. Paul Board of Education cert. bond-. . 
Superior, Wis.. Improvement bond-. 
Urbana, ()., Gas bonds, .... 
Canadian Pacific Railroad bonds, 
Cedar Rap , Iowa Falls & X. West R'y bonds 
Chicago & North Western Railway bonds, 
Chicago & Western Indiana Railroad bond-, 
Chicago & Western Indiana Railroad bonds, 
Columbus & Western Railroad bonds, 
.Chicago, Burlington & Qnincy Railroad bonds 
Erie Railway consols bonds, 
Louisville, St. Louis & Texas Kit bonds, 
Minneapolis Union Railway bonds, . 
N. Y., Lackawanna & Western R.R. bonds, 
New York & New England Railroad bond-. 
Pittsburgh, Cleveland & Toledo R.R. bond-. 
Terre Haute & Logansport Railroad bond-, 
Texas & New Orleans R.R. bonds, . 



Par Value. 

25.' 

50,00' i 
26,000 

24,' 

23,000 
26,1 

39,000 00 
25,000 00 

lonoo 00 
25,000 00 
40,000 00 
25.' 

25,000 
44,000 00 
50,000 00 
50,000 00 
74,000 00 
,000 00 
100,000 00 
5,000 00 
50,000 00 
26,000 
50,000 00 
50,000 00 
57, on,. 

50,000 00 
50,000 00 
54,000 00 



Market Value. 

178,411 
82. 

22,400 00 
24,160 

40. 

5,8: 1' 
17- 
25/ 

41,200 00 

25,750 00 

00 

00 
84,360 00 

1K),000 00 

•0 00 

68,000 00 

21,750 00 

7.000 00 

64,000 00 

,680 00 

,500 00 

,000 00 

62,640 00 



$2,910,030 00 $3,98' ~ 



Securities held as collateral for cash loans : — 



96 shares Travelers" Insurance Company, 
10 " Hartford Carpet Company, . 
2 10 " Landers, Frary & Clark, 
70 " So. New England Telephone Co 
50 " Atlantic Dock Company, 
64 u Hartford Carpet Company, . 

2261 " Broad Brook Company. 

United Electric Railroad bonds. 

L00 shares Pitts., Ft. Wayne & Chicago R.R . 

100 shares Adams Express Company, 



Market V 

1,000 

6.400 

162,150 
15, 

14,500 



alne. Loaned Thereon. 



00 

00 

1)0 
00 

00 



10 00 

00 

I 
2 



$289,905 00 $11>. 



1891.] 



INS. COS. OF OTHER STATES. 



303 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate 1 , 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposit in other States, 



$303,296 07 

545,63-1 48 

55,743 70 

3,980,793 00 

118,322 50 

21,897 07 

260,936 08 

3,037 17 

438,296 78 

1,179 94 



$5,729,136 79 
211,160 00 



Balance, $5,517,976 79 



Liabilities. 

Losses adjusted and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, 



$377,392 30 

13,850 00 
1,950,683 68 

52,750 00 

12,394,675 98 
137,727 29 2,256,948 69 



13,261,028 10 
2,000,000 00 



. $1,261,028 10 



),678 04 
3,220,654 16 



5,621,332 20 
438,296 78 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, ........ 

Cross cash income, 



$3,183,035 42 
336,203 59 



$2,846,831 88 

28,133 29 

205,018 18 

6,777 79 



. $3,086,761 04 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$01.",, 200 00 

221,016 00 

628 00 



304 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net eash paid for fire losses, 

( lash dividends paid, 

Cash paid for commissions and brokerage, 
for salaries of officers and emplox 
for State and local taxes, . 
for incidentals, . 



fl,881,790 27 
11,046 44 



i.5 83 

4!i7 

129,198 87 
57,043 



Cross cash expenditures, f3,135,236 91 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, $313,208,152 00 $3,54> 

.312,430,048 00 3,220,654 16 



Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$625,698,200 00 $6,769,059 16 
.277,367,822 00 2,963,71:. 



$348,340,378 00 $3,805. 



MlSCELLAM.ol rS. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (14 per cent.), . 
Company's stock owned by directors, . 



29,027,788 00 

1,931,964 00 

". 

280,000 00 

145,100 00 



'PROVIDENCE WASHINGTON INSURANCE COMPANY 
PROVIDENCE, R. 1. 

[Incorporated 1799. Commenced business 1799.] 

Paid-up Capital, $400,000. 
,7. IT. DeWOLF, President. E. L. WATBON, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Boston & Providence Railroad bonds, . . 1125,000 00 $13". 

Baltimore & Ohio Railroad bonds, . . . ,000 00 

Bath Gas Light Company bonds, . . . 4,000 00 O 00 

Rensselaer & Saratoga Railroad bonds, . . 12,000 00 17.640 00 

Lehigh Valley Railroad bonds, . . . 50,0o0 00 51,28 

Morris & Essex Railroad bonds, . . . 25,000 00 £75 00 

New York & New England Railroad bonds, . 15,000 00 17.-- 

250 shares Nat'l Bank of Commerce, N. Y., . 25,000 4tV 

100 " National Park Bank, New York. . 10,000 00 SljOOO 



1891.] 



INS. COS. OF OTHER STATES. 



305 



100 shares N. Y. Mutual Gas Light Co , N. Y. 

800 " American Nat'l Bank, Providence 

1C00 " Blackstone Canal N'l Bank, Prov. 

424 " Commercial N'l Bank, Providence 

300 " Lime Rock Nat'l Bank, Providence 

320 " Manufacturers 1 Nat'l Bank, Prov. 

500 " Merchants' Nat'l Bank, Providence 

400 " Mechanics' Nat'l Bank, Providence 

500 " Nat'l Bank of Commerce, Prov , 

500 " Nat'l Bank of No. America, Prov. 

300 " National Eagle Bank, . 

200 " Weybosset National Bank, . 

67 " Union Railroad Company, 

500 " Providence Gas Company, 

20 " Bath Gas Light Co., Bath, Me., 

500 " Chicago & Alton Railroad, . 

200 " Chic, Burlington & Quincy R.R., 

400 " Chicago & Northwestern R.R., 

200 » Chic, Rock Island & Pacific R.R. 

500 " Illinois Central Railroad, 

1500 " What Cheer Corporation, 



I'ar Value. 

$10,000 00 
40,000 00 
40,000 00 
21,200 00 
15,000 00 
32,000 00 
25,000 00 
20,000 00 
25,000 00 
25,000 00 
15,000 00 
10,000 00 
6,700 00 
25,000 00 
2,000 00 
50,000 00 
20,000 00 
40,000 00 
20,000 00 
50,000 00 

200,000 00 



Market Value. 

$12,300 00 
34,800 00 
36,800 00 
20,352 00 
10,500 00 
41,000 00 
34,250 00 
22,400 00 
28,000 00 
24,500 00 
17,100 00 
11,100 00 
12,395 00 
37,500 00 
500 00 
70,000 00 
21,850 00 
46,500 00 
17,800 00 
54,500 00 

200,000 00 



$982,900 00 $ 1,116,012 00 



Summary of Assets Dec. 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Premiums more than 3 months due, $5,983 50 
Gross assets, 



31, 1891. 

$1,116,012 00 

1,203 98 

91,886 42 

210,224 77 

70,365 99 



$1,489,693 16 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . 



$19,899 88 

199,228 15 

5,236 00 

$224,364 03 
48,094 09 

$176,269 94 

762,774 38 

57,385 87 



996,430 19 

$493,262 97 

400,000 00 

$93,262 97 



300 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, $1,277,382 17 

Premiums now in course of collection, . . 137,411 20 

Entire premiums collected, 

Less re-insurance and return premium - 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, . $123,205 03 

Premiums on risks written or renewed, . . 596,106 - 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premium - 

Net cash marine premiums received, 

Interest and dividends received from all sources, 



$129,009 34 
1,148,372 83 



11,189,970 97 

242,339 99 



$718,:ll. 
149,103 06 

$569,160 77 
155,79( 






il::.:;.- 



Gross cash income, $1,35 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

(ash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$620,976 95 
67,417 15 

$397,773 14 
128,086 37 



$553*559 80 



269,686 77 

24,000 00 
236,197 03 

68,896 42 

27,447 

93,388 83 

$1,273,176 38 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$105,684,274 00 $1,219,797 36 
. 120,094,804 00 1.148.372 S3 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$225,779,078 00 $2,368,170 19 
86,747,378 00 958,446 23 



$139,031,700 00 $1,409,723 96 
. 13,769,671 00 140.471 76 



Net amount in force, . 



$125,262,029 0C $1,263,252 20 



1891.] 



INS. COS. OF OTHER STATES. 



307 



Murine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total . 

Deduct risks expired and terminated, 

hi force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



. $7,242,165 00 $251,984 22 
.111,228,455 00 595,108 80 



$118,470,620 00 $847,093 02 
. 107,758,766 00 554,060 01 



.$10,711,854 00 $293,033 01 
. 4,086,290 00 100,000 59 



. $6,625,564 00 $193,032 42 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Company's stock owned by directors, .... 



$19,127,254 00 

11,114,674 00 

594,132 00 

285,628 00 

2,040,563 00 

24,000 00 

38,450 00 



« QUEEN INSURANCE COMPANY OF AMERICA," NEW YORK, N. Y. 

[Incorporated Sept. 11, 1891. Commenced business Sept. 11, 1891.] 

Paid-up Capital, $500,000. 

JAB. A. MACDONALD, President. GEO. W. BURCHELL, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

District of Columbia bonds, 

50 shares New York & Harlem Railroad, 
273 « 

267 " 
950 « 

260 ' 

1400 ' 



' United N. J. R.R. & Canal Co., 
N. Y., Lack. & Western RR, 
Rome, Watertown & Og. R. R., 
' Pittsburgh, Ft. W. & Chic. R.R , 
' Morris & Essex Railroad, 
New York cit}- bonds, .... 
Farmers' Loan & Trust Company stock, . 
New York, Lack & Western R R. bonds, 
( liicago & Southwestern Railroad bonds, 
North Wisconsin Railroad bonds, 
Chicago, Burlington & Quincy RR bonds, 
Chicago, Rock Island & Pacific R.R bonds, 
Fremont, Elkhorn & Missouri RR bonds, 
Chicago, Milwaukee A: St. Paul R.R. bonds, 



and Bonds. 

Par Value. 

$540,000 00 

270,000 00 
2,500 00 
27,300 00 
26,700 00 
95,000 00 
26,000 00 
70,000 00 

200,000 00 
10,000 00 

200,000 00 
10,000 00 
30,000 CO 
40,000 00 
35,000 00 
10,000 00 

106,000 00 



Market Value. 

$629,575 00 

306,192 10 

6,269 95 

60,818 07 

28,515 91 

106,135 00 

40,122 92 

100,150 10 

198,938 89 

71,600 00 

230,000 00 

10,950 00 

36,900 00 

43,666 67 

35,412 60 

11,950 00 

109,280 00 



308 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Chicago & Northwestern Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Morris & Essex Railroad bonds, 
Michigan Central Railroad bonds, . 
Central Railroad of New Jersey bondf 
Lake Shore & Michigan Southern R.B bonds 
Canada Southern Railroad bonds, 
Chicago, St. Raul, Minn ^V Omaha R El. bonds 
Albany & Susquehanna Railroad bonds, . 
Detroit & Bay City Railroad bond-. 
Northern Pacific Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Evansville & Indianapolis Railroad bonds, 
Lake Shore Railroad bonds, 
Ohio & Mississippi Railroad bonds, . 
Consolidated (las Co. of New York bonds, 



Ptaf Value. 

$50,0Do 

10,000 00 
1,000 00 

110. 

43,000 00 

25,000 
25,< 

25,000 
25,000 00 
2<v 

46,000 00 
15,000 00 

00 

15,000 00 

7,000 00 

00 



Market Value. 

10,875 00 
51,000 

141,991 07 
40,198 34 

29,770 83 

29,000 00 

25 00 

24,800 00 

.095 00 
It. . 

25,750 00 

17,802 50 

6,615 00 

20,500 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 

Cash in office of the company, 

( ash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross) 

Notes taken for fire risks, 

Re-insurance, 

Advanced on acct Queen Ins. Co., England, 

Gross assets 

Deduct special deposits in other States, 



#2,289,500 00 $ 2,693,42* 



31, 1891. 

$2,693,428 12 

14,177 54 

118,027 82 

39,946 

280,456 48 

383 79 

378 72 

34,954 60 

$3,181,753 12 

_',500 00 



Balance, $2,949,253 12 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks. 
Due and accrued for rent, salaries, etc., . 
Due for borrowed money, 
State and local taxes, .... 
Commissions and brokerage, . 



$69,604 06 
102,971 47 

$172,575 53 
12,439 98 

$160,135 qd 
1,365,115 05 

25,5 15 

16,785 51 
2,474 50 

41,489 44 



1891.] INS. COS. OF OTHER STATES. 300 

Return premiums, $30,934 14 

Re-insurance, etc , 14,146 20 



Gross liabilities, except capital, . . $1,656,595 91 

Deduct liability on special deposits, . . 78,360 71 



$1,578,235 20 



Surplus as regards policy-holders, $1,371,017 92 

Paid-up capital, 500,000 00 



Surplus over capital, $871,017 92 

Income. 

Premiums on risks written or renewed, . . $1,793,030 00 
Premiums now in course of collection, . . 280,840 27 



Entire premiums collected, .... $1,512,189 73 
Less re-insurance and return premiums, . . 78,416 23 

Net cash fire premiums received, . . . $1,433,773 50 

Interest and dividends received from all sources, . . . 26,120 02 



Gross cash income, $ 1,459,893 52 

Expenditures. 
Cash paid for fire losses, . . . . . $100,516 35 
Deduct salvage and re-insurance, . . . 4,333 32 

Net cash paid for fire losses, .... $96,183 03 

Cash paid for commissions and brokerage, .... 54,226 93 

for salaries of officers and employees, . . . 27,367 49 

for State and local taxes, 6,721 13 

for incidentals 33,789 08 



Gross cash expenditures, 



$218,287 66 



Risks and Premiums. 

Premiums. 

Fire risks written during 1891, . . $282,076,553 00 $3,164,832 75 

Deduct risks expired and terminated, . . 35,522,070 00 406,435 69 

In force at end of year, .... $246,554,483 00 $2,758,397 06 
Deduct amount re-insured 10,494,482 00 109,712 48 



Net amount in force, . . . . $236,060,00100 $2,648,684 58 

Miscellaneous. 
Premiums received from organization of company, . . $1,433,773 00 
Losses paid from organization of company, .... 96, 183 00 

Fire losses incurred daring the year, 256,319 00 

Company's stock owned by directors, 7,500 00 



310 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"THE READING FIRE INSURANCE COMPANY,' 1 READING, PA. 

"[Incorporated July 8, 1867. Commenced business July 8, 1867.] 
Paid-up Capital, $250,000. 
WM. A. ARNOLD, President. B. E. ANCONA, Been 



Detailed Statement of Stocks 

Philadelphia & Reading Railroad bonds, 
Perkiomen Railroad bonds, 
Warren & Franklin Railroad bonds, 
250 shares Reading Gas Company, . 
124 ' 
200 ' 
150 4 

50 • 
100 ' 
737 ' 

60 ' 



4 So. Reading Market Howe Co, 
4 East Pennsylvania Railroad, . 
' National Union Bank, Reading, 
4 Farmers 1 National Bank, Reading, 
4 Second National Bank, Reading, 
4 Reading Trust Company, 
4 Reading City Passenger Railway, 

Heading City Passenger Railway bonds, . 

South Reading Market House Company scrip, 



Securities held as collateral for cash loans : — 

105 shares Reading Trust Company, 

6 44 Perkiomen Turnpike, 
25 44 Second National Bank, . 

8 44 First National Bank, 

1 44 Neversink Bldg. and Savings Ass'n, 
886 44 Clymer Iron Company, . 
Reading Foundry Company bonds, . 
Mortgage bonds, ...... 

Life interest on real estate, .... 



AND BONDfl 

I'ar Value. 

2,000 00 

00 

B,100 00 

5 I 00 

1,500 00 

10,000 00 

73,700 00 

:5,<>00 00 

500 00 

D00 00 



Market Value. 

$17,64*' 

50 00 
1,0*. 
l.V 

10 on 
10,7 

12,450 00 

4,160 00 

17,ooo 00 

93,967 50 

'0 00 



$13' 7 $18o. - 



Market Value. 

$13,387 50 

150 00 

4,250 00 

1,600 00 

400 00 

44,300 00 

25,000 00 

2,800 00 

4,000 00 



Loaned Thereon. 

$6,525 00 
120 

4,000 00 

200 00 

10 00 

25,000 00 

2,300 00 

W 00 



$95,887 50 $45,965 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $52,330 28 

Loans on mortgage of real estate (first liens*), ~>,510 79 

Interest due or accrued thereon, . . . 3,148 51 

Stocks and bonds, as per schedule, . . . 183,372 50 

Loans on collateral security, as per schedule, . 45,965 00 

Cash in the office of the company, . . . 453 97 

Cash deposited in bank, 64,529 05 

Interest due and accrued, 1,891 29 



* Value of lands mortgaged $266,091 00 

Value of buildings thereon 563,850 00 

Amount of insurance held as collateral, .... 411,605 00 



1891.] 



INS. COS. OF OTHER STATES. 



311 



Premiums in course of collection (gross), 
Rents due and accrued, etc., 
Perpetual insurance deposits, . 

Gross assets, 



$49,785 44 
771 55 
565 00 



$688,323 38 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
State and local taxes, .... 
Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$32,284 25 

25,000 00 

2,904 30 

243,194 57 

3,990 89 

1,197 20 

1,000 00 

10,798 73 

7,056 18 



327,426 12 



$360,897 26 
250,000 00 



$110,897 26 



Income. 

Fire premiums outstanding Dec. 31, 1890, . $24,769 04 
Premiums on risks written or renewed, . . 403,058 92 

Total, $427,827 96 

Premiums now in course of collection, . . 49,785 44 

Entire premiums collected, .... $378,042 52 
Less re-insurance and return premiums, . . 60,848 44 

Net cash fire premiums received, . . . . $317,194 08 

Interest received on mortgages, 17,418 13 

Interest and dividends received from all other sources, . . 9,740 61 

Income from rents, 4,089 69 

Commissions, 2,930 84 

Deposits received for perpetual fire risks, . $199 50 

Gross cash income, $351,373 35 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$221,907 31 
3,120 03 



$218,787 28 
19,579 30 
66,852 11 
10,416 66 
6,446 93 
29,877 11 

$351,959 39 



312 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Fire risks outstanding Dec. 31, 1890 
Fire ri-k- written during 1891, 



Risks and Premiums. 

I'reru: 

$30,439,950 00 I 

. 31 



$62,129,2;;:) 00 $76<; 
. 24,084,341 00 297 



Total, 

Deduct risks expired and terminated. 

In force at end of year, . . 
Deduct amount re-insured, 

' Net amount in force, . . . $37 I $462 

Perpetual risks in force (not included above),. 143,050 00 



$38,044,892 00 $468,681 95 
152,609 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent ), . 
Company's stock owned by directors, .... 



$1,982,233 00 

I 00 

357. 

54^70 00 



"THE RELIANCE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 21, 1841. Commenced business Aug. 9, 1&44.] 

Paid-up Capital, $300,000. 

TnOMAS C. HILL, President. WILLIAM CIICBB, Secret-try. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $15,000 00 

Philadelphia city bonds, 75,000 00 00 

Pittsburg city water works bonds, . . . .< >00 00 36,30* > 

Scranton city water works bonds, . . . 15,000 00 15,450 00 

Rochester city water works bonds, . . . 2". 000 00 ".000 00 

City of Quincy, 111 , bonds 15J 15. 

American Steamship Company bonds, . . 5,< ") 00 

United Company of New Jersey bonds, . . 5,000 00 

Delano Land Company bonds, .... 13,000 00 13,000 00 

Lehigh Coal and Navigation Company bonds, 00 22, 

Lehigh Valley Railroad bonds. . 

Easton & Amboy Railroad bonds, . . . 20,000 00 22,000 00 

North Pennsylvania Railroad bond-. . . 15,0 

Louisville & Nashville Railroad bonds, . B, 8£8 

Northern Central Railroad bonds. . . . 10,1 11. 

Philadelphia & Erie Railroad bonds, . . 25,000 00 . - _ ' 



1891.] 



INS. COS. OF OTHER STATES. 



313 



Philadelphia & Baltimore Central II R. bonds, 
Pennsylvania Railroad bonds, . 
Steubenville & Indiana Railroad bonds, . 
Camden & Atlantic Railroad bonds, 
Phi I a., Wilmington & Baltimore R.R stocks, 
Pennsylvania Equipment Trust certificates, 
New York and Pacific Car Trust certificates, 
200 shares Commercial National Bank, 
40 shares Mechanics 1 National Bank, 
Allentown Terminal Railroad bonds, 
Pa. and New York Canal and R.R. bonds 
American Water Works Company bonds 
Philadelphia & Reading Railroad bonds, 
Delaware River Ferry Company bonds, 



Par Value. 

a 10,000 00 

4,000 00 

10,000 00 

30,000 00 

25,000 00 

15,000 00 

2,000 00 

10,000 00 

4,000 00 

15,000 00 

60,000 00 

10,000 00 

10,000 00 

10,000 (JO 



Market Value. 

$ 10,500 00 

4,480 00 

10,400 00 

30,900 00 

25,250 00 

14,250 00 

2,000 00 

11,600 00 

4,400 00 

15,000 00 

64,000 00 

10,000 00 

10,400 00 

10,200 00 



§526,000 00 $572,010 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . . f 100,000 00 

Loans on mortgage of real estate (first liens*), 115,650 00 

Interest due or accrued thereon, . . , 1,523 29 

Stocks and bonds, as per schedule, . . . 572,010 00 

Cash in the office of the company, ... 73 44 

Cash deposited in bank, 22,328 27 

Premiums in course of collection (gross)', . 21,128 53 

Rents due and accrued, 320 00 

Perpetual insurance deposit, .... 1,035 00 

Gross assets, 



$834,068 53 



Liabilities. 

Losses adjusted, unpaid, . 

Losses claimed and reported, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc , 
State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



$2,821 89 

31,179 73 

121,736 08 

126,543 05 

300 00 

600 00 

510 45 



283,691 20 

$550,377 38 
300,000 00 

1260,377 3 ; 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$109,000 00 

140,000 00 

72,000 00 



314 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premium-. . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from transfers, surveys, etc , 
Deposits received for perpetual fire risks, 

Gross cash income, .... 



$18,800 17 
224,682 88 

•243,582 35 
81,128 

$222,453 32 
S1322 50 



sour 



14,259 0<J 



$190,631 32 

2,744 29 

■1 77 



f234,711 11 



EXPENDITURES. 

Cash paid for tire losses, .... 
Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 
for salaries of officers and emploj 
for State and local taxes, . 
for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



? 160,466 28 
10,754 01 



$4,051 00 



Risks and Premiim-. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 5,039,068 00 



$22,834,376 00 
26,171,330 00 

?49,005,70C 
, 23,369,251 00 

125,636,455 00 
1,396,070 00 

§24,240,385 00 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (8 per cent.), . 

Company's stock owned by directors, 



$149,712 27 
24J0O0 

38,288 98 

13,849 98 

5,386 34 

10,642 96 

$241,880 53 



Premiums. 

$224,535 65 
224,682 88 



$449,218 53 
J.163 06 

£247,055 47 

12,861 8 

$234,194 09 
138,040 73 



$2378,051 00 

6 00 

169,026 00 

.,597 00 

24,000 00 

35,550 00 



1891.] 



INS. COS. OF OTHER STATES. 



315 



"ROCHESTER GERMAN INSURANCE COMPANY OF ROCHESTER, 
NEW YORK, 11 ROCHESTER, N. Y. 

[Incorporated Feb. 16, 1872. Commenced business Feb. 23, 1872.] 
Paid-up Capital, $200,000. 
FREDERICK COOK, President. H. F. ATWOOD, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Georgia State bonds, $25,000 00 $27,500 00 

Virginia State bonds, 15,000 00 10,800 00 

N. Y. Central & Hudson River R.R. bonds, . 20,000 00 20,000 00 

Rochester Railway bonds 25,000 00 22,500 00 

German-American Bank of Rochester stock, . 10,000 00 15,000 00 

Rochester Title Insurance Company stock, . 10,000 00 10,000 00 

Rochester city orders 21,473 00 21,473 00 



$126,473 00 $127,273 00 



Summary of Assets Dec. 
Cash value of unencumbered real estate, 



31 



Loans on mortgage of real estate (first lie 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross) 

Gross assets, .... 
Deduct special deposits in other States, 



Balance $871,830 02 



ns*), 



, 1891. 

$190,829 84 

381,740 00 

5,776 66 

127,273 00 

1,389 50 

117,061 64 

86,059 38 



)10,130 02 
38,300 00 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$23,414 19 

17,983 50 

277 25 

365,573 20 
22,017 08 



$429,265 22 

15,582 85 413,682 37 



$458,147 65 
200,000 00 



$258,147 65 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$427,170 00 
589,200 00 
380,975 00 



316 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



[hcoms. 
Fire premiums outstanding Dec 31, Ifi 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premium! 

Net cash tire premiums received, 

Interest received on mortgafi 

Interest and dividends received from all other 

Income from rents, 

Income from all other sour< 



Gross cash income, 



$89,200 24 
.; 96 

$683,570 20 
86,069 



5 n 



sour 



$459,196 41 

17,101 21 
10 04 

11,693 
L8 69 



Kxi'F.NDITUKI 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Nel cash paid for fire losses, .... 

( lash dividends paid, 

Cash paid for commissions and brokerage, 
for salaries of officers and employ 
for State and local taxes, . 
for incidentals, 

Gross cash expenditures 






.000 00 
,713 

24,410 00 
12,725 68 
34,343 82 

$402,437 28 



Fire risks outstanding Dec. 31, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

.$63,74<>,907 00 $710,565 76 
. 51,457,574 00 594,363 96 



Total 

Deduct risks expired and terminated . 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$115,198,481 00 $1,304,929 72 
. 50,502,657 00 586,639 64 



.$64,695,824 00 $718,290 08 
. 1,408,160 00 15,637 



$63,287,664 00 $702,652 32 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
(ash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.). 
Company's stock owned by directors 



3,145.945 00 
2 

319,000 00 
8 '.000 00 
47.050 00 



1891.] 



INS. COS. OF OTHER STATES. 



317 



"RUTGERS FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Oct. 3, 1853. Commenced business Oct. 10, 1853.] 

Paid up Capital, $200,000. 

EDWARD B. FELLOWS, President. HENRY C KREISER, Secretary. 



Detailed Statement of Stocks 

District of Columbia bonds, .... 
500 shares N. Y. Central & Hudson River R.R., 
600 « 

187 ■ 
400 
300 
50 ' 



Delaware, Lacka. & Western R.R., 
Tradesmen's National Bank, N. Y., 
Delaware & Hudson Canal Co., 
Consolidated Gas Company, N. Y , 
Long Island Railroad, 



New York Elevated Railroad bonds, 

Securities held as collateral for cash* loans : — 
160 shares North River Insurance Co , 



and Bonds. 

Par Value. 

$50,000 00 

50,000 00 

30,000 00 

7,480 00 

40,000 00 

30,000 00 

2,500 00 

1,000 00 



Market Value. 

|57,500 00 

57,750 00 

41,550 00 

7,480 00 

49,200 00 

31,425 00 

2,425 00 

1,150 00 



$210,980 00 $248,480 00 

Market Value. Loaned Thereon. 

$3,010 00 $2,200 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Return taxes due, 

Premiums more than 3 months due, $317 06 
Gross assets, 



31, 1891. 

$77,000 00 

28,100 00 

500 00 

248,480 00 

2,200 00 

3,872 32 

2,743 19 

2,414 61 

974 03 

72 74 



$366,356 89 



Liabilities. 
Losses adjusted, unpaid, . 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Dividends to stockholders unpaid, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



$4,972 19 

6,363 80 

44,920 37 

10,000 00 



66,256 36 

$300,110 53 
200,000 00 

$100,100 53 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$53,000 00 
41,200 00 
31,150 00 



318 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



I\< OME. 

Fire premiums outstanding Dec. 81, 1> 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 



SI, 280 67 

141 05 

SI, 136 62 

87,37 



; 50 
1,291 09 



Entire premiums collected, .... $87,216 41 
Less re-insurance and return premiums, . . 10,011 7<> 

Net cash lire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, etc., ........ 



Gross cash income, 



$7G,G<>1 71 

1,901 87 

1 1,690 12 

30 63 

$92,8* 



Expenditures. 

( ash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 
for salaries of officers and emplo\ 
for State and local taxes, 
for incidentals, .... 

(iross cash expenditures, .... 



57,918 87 
h 16 



$56,612 71 

20,500 00 

15^609 

12.SU7 96 

2,280 1" 

6,438 03 

$114,242 38 



Fire risks outstanding Dec. 81, 1890, 
Fire risks written during 1891, 



Risks and Premium-. 

Premiums. 

.$11,393,735 I $87,178 53 

. 11,292,453 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



■ 36,188 00 $174,549 41 
10,540,719 00 84,122 16 



$12,145,469 00 $90,42; 
237,696 00 1,879 01 



$11,! 00 $88,548 24 



Miscellaneous. 

Premiums received from organization of company. 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors. 



^3,163,080 00 
"5 00 

63,795 00 
1,042,000 00 

8 

57,825 



1891.] 



INS. COS. OF OTHER STATES. 



319 



" SECURITY INSURANCE COMPANY OF NEW HAVEN," 
NEW HAVEN, CONN. 

[Incorporated April, 1841. Commenced business April, 1841.] 
Paid-up Capital, $250,000. 



CHAS. S. LEETE, President. 



H. MASON, Secretary. 



Detailed Statement of Stocks and Bonds. 

Tar Value. 

Tradesmen's Nat'l Bank (New Haven) stock, . $ 16,000 00 

Second Nat'l Bank (New Haven) stock, . . 10,000 00 

Merchants 1 Nat'l Bank (New Haven) stock, . 13,300 00 

Yale National Bank (New Haven) stock, . 20,000 00 

New Haven Nat'l Bank (New Haven) stock, . 19,000 00 

New Haven Co. Nat. Bank (New Hav.) stock, 17,520 00 

American Exchange Nat. Bank (N. Y ) stock, 10,000 00 

Commerce National Bank (New York) stock, 5,000 00 

New Haven Water Company stock, . . . 8,800 00 

New York, New Haven & Hart. R R. stock, . 15,000 00 

Chicago, Rock Island & Pacific R R. stock, . 11,000 00 

Macon (Ga.) Gas, Water & Light Co. bonds, . 10,000 00 

Chicago, Mil. & St. Paul Railroad bonds, . 5,000 00 

Minneapolis & St. Louis Railroad bonds, . 4,000 00 

Savannah & Western Railroad bonds, . . 10,000 00 

New York & New England Railroad bonds, . 5,000 00 

Columbus & Hocking Coal & Iron Co. bonds, 10,000 00 

Jersey City, N J., city bonds, .... 7,00000 

Omaha, Nebraska, city bonds 10,000 00 

Council Bluffs, Iowa, city bonds, . . . 4,000 00 

Superior, Wisconsin, city bonds, . . . 10,000 00 



Market Value. 

$21,920 00 

17,200 00 

12,236 00 

20,800 00 

30,400 00 

24,177 60 

15,300 00 

9,500 00 

17,600 00 

34,500 00 

9,790 00 

8,500 00 

5,800 00 

4,720 00 

9,000 00 

5,100 00 

10,000 00 

8,050 00 

10,600 00 

4,200 00 

10,000 0C 



$220,620 00 $289,393 60 



Securities held as collateral for cash loans : — 



New Haven Water Company stock, . 
City Bank, New Haven, stock, . 
Mechanics 1 Bank, New Haven, stock, 
Boston Electric Light Company stock, 
Mercantile Safe Deposit Company stock, 
Skandia Plow Co , Rockford, 111 , stock, 
Co-op. Furniture Co , Rockf'd, 111 . stock 
Union Furniture Co , Rockfd, 111., stock 
Third Nat'l Bank, Rockford, 111 , stock, 
Mortgage assigned, .... 



Market Value. Loaned Thereon. 



$1,000 00 

2,760 00 

378 00 

1,000 00 

600 00 

7,000 00 

6,000 00 

7,500 00 



$800 00 
2,500 00 

1,300 00 

2,500 00 

5,000 00 
5,000 00 



t2G,2'3S 00 $17,100 00 



320 FIRE, MARINE, AND FIRE-MARINE [Deo. 31, 



Summary of Assets Dec 

( ash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
( ash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine andinl and risks, 
Rents due and accrued, .... 

He-insurance, 

Gross asset- 



81, 1891. 

175,925 00 

1,702 80 

389398 80 

17,100 00 

71 
51,619 66 
1,068 79 

72,321 42 

0,102 99 

41 

27:; -7 






Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk-. 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$23,29<> 82 

41,970 

90< 

$66,161 27 
16,865 95 

$49,295 32 

334,513 67 

13,968 08 



1,146 32 

',000 00 



Surplus over capital, $14,146 32 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash tire premiums received, 



$68,188 21 
91 51 

$68,096 70 
678,912 59 

$747,009 29 
68,251 28 

$678,758 01 
197.099 91 



9 10 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$464,345 00 

120,600 00 

00 00 



1891.] INS. COS. OF OTHER STATES. 



321 



Marine premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 

Gross cash income, .... 



Expenditures 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 



Gross cash expenditures, 



$4,431 90 
96,734 96 

$101,166 86 
4,070 14 

$97,096 72 
12,235 33 



sources, 



$435,824 65 
48,374 76 

$56,511 61 
5,370 96 



$84,861 39 

10,301 11 

17,675 34 

370 14 

$594,866 08 



$387,449 89 



51,140 65 

10,000 00 

141,944 86 

59,778 18 

8,657 35 



$658,970 93 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$53,469,275 00 $644,391 22 
. 60,149,740 00 678,912 59 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 



$113,619,015 00 $1,323,303 81 
. 55,509,354 00 680,838 82 



$58,109,661 00 $642,464 99 
5,216,050 00 70,873 92 



$52,893,611 00 $571,591 07 



$1,424,492 00 
24,373,184 00 



$35,728 28 
96,734 96 



$25,797,676 00 $132,463 24 
23,336,799 00 87,442 48 



$2,460,877 00 
594,817 00 



$45,020 76 
11,687 23 



Net amount in force, 



$1,866,060 00 $33,333 53 



322 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 per cent.), . 
Company's stock owned by directors, .... 



|6,999,U7 
4,773,64 

39:;. 
51,784 

409,281 00 
10.' 

00 



"SPRING GARDEN INSURANCE COMPANY," PHILADELPHIA. PA. 

[Incorporated April 28, 1835. Commenced business Aug. 29, 1835.] ' 

Paid-up Capital, $-400,000. 

W. G. WARDEN", President. G. B. ARMITAGE, Secretary. 



Detailed Statement of Stocks and Bo> 

Par Value. Market f 

St. Joseph city bonds $20,000 00 

Kansas City water works bonds, . . . 10,000 00 10. 

Pittsburg, Cincinnati ft St. Louis R.R. bond>, . 30,000 00 34.- 

Lehigh Valley Railroad bonds, . . . 20,000 00 

People's Passenger Railway bonds, . . . 10,000 00 11.- 

Lehigh Coal and Navigation Company bonds 20,000 00 00 

American Steamship Company bonds, . . 5,000 00 5,300 00 

Terre Haute & Logansport Railroad bonds, . 20,000 00 21,000 00 

Cleveland, Columbus, Cin. & Ind. R.R. bonds, 10,000 00 11.- 

Jacksonville, Louisville ft St. Louis R.R. bonds, 21,000 00 17,860 00 

Columbus & Cincinnati Midland R.R. bonds, . 20,000 00 18,850 00 

Marietta ft North Georgia Railroad bonds, . 20,000 00 12,000 00 

Zanesville ft Ohio River Railroad bonds, . 10,000 00 6,0( 

Clearfield ft Jefferson Railroad bonds, . . 10,000 00 11,800 00 

Jacksonville, Tampa ft Key West R.R. bonds, 10,000 00 10,2oo 00 

Philadelphia & Reading Railroad bonds, . . 34,000 00 35. 2 

Poughkeepsie Bridge Co. bonds, . . . 10,000 00 

Pennsylvania & New York Canal ft R R. bonds, 10,000 00 11,2<X> 00 

Alleghany Valley Railroad bonds, . . . 5,000 00 6,100 00 

Robert H. Coleman bonds, .... 5,000 00 5,000 00 

Bloomington City (111.) Railway bonds, . . 27,000 00 16,200 00 

Central New England & Western R.R. bonds, 20,000 00 13,000 00 

1000 shares United Gas Imp. Co., Philadelphia, 50,000 00 55,1:^5 00 

200 " Penn. National Bank, Philadelphia, 10,000 00 17.:" 

100 " Commercial National Bank, Phila., 5,000 00 6,000 00 

100 " Fourth Street Natl Bank, Phila., . 10,000 00 14,30" 



£422,000 00 $428,91o 



1891.] IXS. COS. OF OTHER STATES. 



323 



Securities held as collateral for cash loans : — 

Central New England & Western R.R. bonds, 
10 shares Real Es. Title Ins. Trust Co., Phila., 
115 shares Seaboard Company, Georgia, . 
Easton & Am boy Railroad bonds, 
Penn. & New York Canal & Railroad bonds, . 

50 shares Liberty Iron Company, . 
281 " United Gas Improvement Co., 

40 " Electric Trust, .... 
2450 k ' Hero Fruit Jar Co., Philadelphia, 

Morto'ao-es assigned, 

Lehigh Valley Railroad bonds, 



Market Value. 

$9,100 00 

1,850 00 

11,500 00 

21,700 00 j 

1,120 00 ( 

2,500 00 

15,490 12 I 

4,000 00 < 

122,500 00 

21,000 00 

16,477 50 



Loaned Thereon. 

$11,000 00 

650 00 

11,000 00 

17,500 00 

5,000 00 
14,500 00 

30,000 00 
17,200 00 
13,500 00 



$227,237 62 $120,350 00 



Summary of Assets Dec 



Cash value of unencumbered real estate, . $201,000 00 

Loans on mortgage of real estate (first liens*), 408,516 71 
Interest due or accrued thereon, ..." 12,900 62 

Stocks and bonds, as per schedule, . . . 428,915 00 

Loans on collateral security, as per schedule, . 120,350 00 

Cash in the office of the company, . . . 2,358 86 

Cash deposited in bank, 62,478 50 

Interest due and accrued, .... 4,437 98 

Premiums in course of collection (gross), . 27,838 67 

Notes taken for fire risks, ..... 2,304 00 

Rents due and accrued, 714 78 

Premiums more than three months due, $1,421 08 

Gross assets, $1,271,815 12 



31, 1891. 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



$8,779 14 

50,415 88 

2,700 00 

$61,895 02 
4,282 78 

$57,612 24 

218,751 18 

385,014 46 

1,109 86 



662,487 74 



$609,327 38 
400,000 00 

$209,327 38 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$815,950 00 
290,550 00 



324 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Income. 
Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortora^es, 

Interest and dividends received from all other 

Income from rents, .... 

Perpetual insurance, etc , . 

Deposits received for perpetual fire rif 

Gross cash income, .... 



$22,794 90 
428,631 03 

$440,42.3 93 
29. 2 58 :."> 

$417, 160 18 
3 72 



sources, 



$15,321 45 



23.525 81 
27,282 

1,4: 






Expenditure. 

Cash paid for fire losses,- $278,801 48 

Deduct salvage and re-insurance, . . . 14,169 87 

Net cash paid for fire losses, .... $264,631 61 

Cash dividends paid, 64,<X»0 00 

Cash paid for commissions and brokerage, .... 74,"02 91 
for salaries of officers and employees, . . . 14.*77 54 

for State and local taxes, 15, 

for incidentals, 10. 

Deposits returned on perpetual fire risks, . $11,544 25 

Gross cash expenditures, $149,552 15 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



. $32,759,073 00 
. 41,910,802 00 



'74,669,875 00 
33,917,611 00 



?4<i,752,264 00 
2,369,068 00 

$38,383,196 00 



Premiums. 

$387,135 19 

.031 <>3 



Perpetual risks in force (not included above), 17,738,945 00 



$810,700 22 
367.: - 

?443,o«;»9 42 
23,744 45 

?419,504 97 
-J.238 29 



Miscellaneous. 

Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (16 per cent.),. 
Company's stock owned by directors, . . . . 



$2,835,362 00 
888,1 B 00 

1,473.21 " 
64,000 00 
148,700 00 



1891.] 



INS. COS. OF OTHER STATES. 



325 



"ST. PAUL FIRE AND MARINE INSURANCE COMPANY," 

ST. PAUL, MINN. 

[Incorporated May, 1865. Commenced business May, 1865.] 
Paid-up Capital, $500,000. 



C. H. BIGELOW, President. 



C. B. GILBERT, Secretary. 



Detailed Statement of Stocks 



175 " Merchants 1 National Bank, St Paul, 

100 " Bank of Minnesota, St. Paul, . 

150 " St. Paul National Bank, St Paul, 
45 " First National Bank, Alexandria, 

100 " Flour City Nat'l Bank, Minneapolis 
50 ■* St. Paul Trust Company, St. Paul, 
30 " First National Bank, St. Peter, 
50 " First National Bank, Glencoe, 
50 " Seven Corners Bank, St. Paul, 

Chic., St. P., Minn. & Omaha R.R. bonds, 

385 shares St. Paul Warehouse & Elevator Co. 

100 shares North American Telegraph Co , 

City of St. Paul bonds, 

City of St. Paul, Minn , warrants, . 

State of Georgia bonds, . 

Peoria, 111., Grape Sugar Company bonds 

City of Mankato bonds, . 

Town of Sauk Centre bonds, . 

Town of Yernon Centre bonds, 

Village of Detroit bonds, . 

Town of Jo Davies bonds, 

Town of Elmore bonds, . 

Town of Garden City bonds, . 

Town of Winnebago bonds, 

Village of Winnebago bonds, . 

Town of Pilot Grove bonds, 

Town of Mazeppa bonds, 

Town of Oakwood bonds, 

Town of Blue Earth city bonds, 

County of Pine bonds, 

County of Rock bonds, . , 

County of Dawson bonds, 

County of Kidder, N. D , bonds, 

County of Grant, Minn , school district bonds, 

County of Barnes & Cass,D. T., sch. dist. bonds, 

County of Carver, Minn., school dist. bonds, . 

School District 11, Big Stone County, bonds, . 



and Bonds. 

Par Value. 

$32,000 00 

47,500 00 

10,000 00 

15,000 00 

4,500 00 

10,000 00 

5,000 00 

3,000 00 

5,000 00 

5,000 00 

10,000 00 

19,250 00 

10,000 00 

60,000 00 

32,418 02 

25,000 00 

15,000 00 

8,500 00 

1,500 00 

6,500 00 

700 00 

5,500 00 

6,500 00 

5,000 00 

10,000 00 

5,000 00 

5,000 00 

5,000 00 

7,500 00 

36,000 00 

4,500 00 

24,000 00 

1,500 00 

9,000 00 

4,000 00 

11,460 75 

6,000 00 

3,000 00 



Market Value. 

$72,000 00 

92,625 00 

14,000 00 

18,000 00 

5,625 00 

11,000 00 

7,500 00 

3,750 00 

5,000 00 

5,000 00 

12,000 00 

4,812 50 

10,000 00 

63,000 00 

32,418 02 

26,000 00 

15,000 00 

8,925 00 

1,500 00 

6,825 00 

700 00 

5,775 00 

6,825 00 

5,250 00 

10,500 00 

5,250 00 

5,250 00 

5,250 00 

7,875 00 

37,800 00 

4,950 00 

27,600 00 

1,500 00 

9,000 00 

4,000 00 

11,460 75 

6,000 00 

3,000 00 



326 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



County of Jerauld, D. T., school district bonds, 
County of Cass, D T , school district bonds, . 
County of Sanborn, D. T., school dist. bonds, . 



Par Value. 

00 
00 
00 



Mai- 

$2,400 00 



$484,228 77 $582 27 



Securities held as collateral for cash loans : — 



300 shares 


75 


M 


115 


tl 


65 


(1 


471 


M 


800 


M 


39 


14 


127 


U 


215 


II 


424 


It 


1000 


11 


40 


M 


70 


14 


100 


(4 


10 


(4 


500 


44 


35 


tl 


75 


(4 


30 


M 


100 


44 


25 


(4 


25 


u 


62 


44 


28 


(4 


28 


(4 


Little Falls, 



Market Value. 

Merchants 1 Nat'l Bank, St. Paul, . $58,500 00 

Second National Bank, St. Paul, . 18,750 00 

St. Paul National Bank, St. Paul, . 13,800 00 

Bank of Minnesota, St. Paul,? . 00 

Savings Bank, St. Paul, . . 65,940 00 

Pioneer Press Company, St. Paul, - ,000 00 

Minn. Land and Investment Co., . 18,525 00 

Minneapolis Union Elevator Co., . 22,860 00 

Far\vell,Ozmun,Kirk&Co.,St.Paul, 21,500 00 

L. Superior Elevator Co., Duluth, 2G,500 00 

Tacoma Coal Company, . . 15,000 00 

Island Power Co., Minneapolis, . 6,000 00 

Strong-IIackett Hardware Co., . 00 

Seven Corners Bank, St. Paul, . 1<»,000 00 

St. Paul Trust Company, . . 1,500 00 

St. Paul Foundry Company, . . 25,000 00 
Germania Bank, St. Paul, 

Rutland Co. Nat, B% Rutland, Vt., 9,375 00 

Nat. Ger.-American Bank. St. Paul, 3,750 00 

Union Imp. & Elev. Co., Duluth, . 6,250 00 

Scan. American Bank, St. Paul, . 3,000 00 

St. Paul Title Insur. & Trust Co , 00 

Pioneer Press Build'g Co., St. Paul, 6,200 00 

Bank of Sargent County, N. D., . 2,800 00 

Bank of Forman, N. D., . . 2,800 00 

Minn., Elee. and Water Co. bonds, 15.000 00 



Loaned Thereon • 

$45, 

12,940 00 

11,040 00 

'0 00 

59, 

.000 00 

14,500 00 

18,500 00 

15,700 00 

15,500 00 

00 

00 

00 

00 

00 

19,000 00 

- 

00 

00 

00 
2,400 00 

00 

00 

00 

11,000 00 



£456,625 00 $296,800 00 



Summary of Assets Dec. 31, 1891.* 

Cash value of unencumbered real estate, . $107,247 96 

Loans on mortgage of real estate (first liens f), 702,970 07 

Interest clue or accrued thereon, . . . 19,603 51 
Stocks and bonds, as per schedule, . 



* The company holds, also, instalment premium notes to the amount of $170,289.32, which 
do not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value might be attached to them would necessarily be counterbalanced by the addi- 
tion of an exactly equal amount to the re-insurance liability, the entire sum consisting of 
u unearned premiums." 

| Value of lands mortgaged, $1 

Value of buildings thereon, 133 32 

Amount of insurance held as collateral ~ .49 99 



1891.] 



INS. COS. OF OTHER STATES. 



327 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



$296,800 00 
13,915 84 

141,008 19 
11,972 00 

126,267 67 
40,731 13 



>,042,942 64 
26,000 00 

1,016,942 64 



Liabilities. 

Losses adjusted, unpaid, $57,026 07 

claimed and reported, .... 65,460 55 

disputed or resisted, . . . . 7,491 58 

Total amount of losses, $129,978 20 

Less re-insurance, 17,061 95 

Net amount of unpaid losses, .... $112,916 25 

Unearned premiums on outstanding risks, . 746,819 84 

Commissions and brokerage, .... 25,048 11 

Gross liabilities, except capital, . . $884,784 20 

Deduct liability on special deposits, . . 7,326 31 



877,457 89 



Surplus as regards policy-holders, 
Paid-up capital, 



Surplus over capital, . 



. $1,139,484 75 
500,000 00 



$639,484 75 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 



§112,414 02 
1,266,991 93 

$1,379,405 95 
126,267 67 



$1,253,138 28 
281,030 99 



$31,742 00 
285,533 37 

$317,275 37 

40.731 13 

$276,544 24 

39.732 20 



$972,107 29 



236,812 04 



328 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Interest received on mortgages, 

Interest and dividends received from all other sour 
Income from rents, 

Gross cash income, 



6< 
5,010 12 



. fl,322,191 60 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid. .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, .... 

Gross cash expenditures, . 



$705,818 46 
99,878 19 

$181,220 41 
19.32-1 71 



$605,94 



161,900 70 

- 74 

21,854 68 

39 

. $1 35 



Risks and Premium-. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$100,851,588 00 
. 79,183,752 00 

Si>o, 

. 66,948,695 00 

$113,086,645 00 
. 10,794,856 00 

|1 l.l '1,789 00 $1,338,705 hb 



Premiums. 

$1,205,9: - 
0,991 93 

2.925 40 
1,030,014 68 



104,145 17 



. $3,017,868 00 
. 37,451,693 00 

640,469,561 00 
. 37.42C159 00 



$95,919 13 



£3,049,402 00 $113,972 42 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, .... 



$14.17 ' 52 

613,245 00 
156,33" 

. iftto . 

60,000 



1891.] 



IXS. COS. OF OTHER STATES. 



329 



"ST. PAUL GERMAN INSURANCE COMPANY," ST. PAUL, MINX. 

[Incorporated April 1, 1889. Commenced business April 5, 1889.] 

Paid-up Capital, $500,000. 

ALBERT 8CHEFFER, President. J. QTJINCY HAA8, Secretary. 



Detailed Statement of Stocks and Bonds. 



1000 shares Commercial Bank, St. Paul, . 

2 " West Side Bank, St. Paul, . 

5 " State Bank, St. Paul, . 

5 " People's Bank, St. Paul, 

21 " Germania Bank, St. Paul, 

17i " State Bank of Wis., W. Superior, 

188 " First Nat. Bank, Billings, Mont , 

400 " Security Trust Company, 

75 " Redwood County Bank, 

500 " Chapman-Drake Company, . 

325 " Hauser & Sons' Malting Co., 

87 " St. Paul Stove Company, 

145 " Kuhl & dimming Company, 

40 " West Publishing Company, . 

109 " North St. Paul Casket Company, 

100 " Manufacturers 1 Investment Co., 

348 " North St. Paul Cottage Company 

100 " Paul Martin Land and Mortg. Co. 

100 " American Mortgage Security Co. 

300 " St. Paul German Accident Ins. Co. 

270 " Babcock Transfer & Storage Co 

100 " B. & T. Tobacco Company, . 

20 " Provident Investment Company, 

25 •' Pioneer Press Building, 

99 " Minnesota-Montana Stock Co., 
American Mortgage Security Company bonds 



Par Value. 

$100,000 00 

200 00 

500 00 

500 00 

2,100 00 

1,750 00 

18,800 00 

10,000 00 

7,500 00 

25,000 00 

32,500 00 

8,700 00 

14,500 00 

2,000 00 

5,450 00 

10,000 00 

17,400 00 

10,000 00 

10,000 00 

30,000 00 

13,500 00 

5,000 00 

2,000 00 

2,500 00 

9,900 00 

65,000 00 



Market Value. 

n 20,000 00 

210 00 

500 00 

540 00 

2,646 00 

1,750 00 

24,440 00 

10,000 00 

7,500 00 

25,000 00 

32,500 00 

8,700 00 

14,500 00 

2,000 00 

5,450 00 

10,000 00 

17,400 00 

10,000 00 

10,000 00 

37,500 00 

13,500 00 

5,000 00 

2,000 00 

2,500 00 

9,900 00 

65,000 00 



Securities held as collateral for cash loans : — * 

St Paul Park Improvement Company bonds, . 
100 shares St. Paul German Accident Ins. Co., 
137 " Capital City R. E. and Imp. Co., . 
135 " Dakota Improvement Company, . 

20 " Commercial Bank, .... 

11 " American Mortgage Security Co,, . 



$404,800 00 $438,536 00 



Market Value. Loaned Thereon. 



118,000 00 

12,500 00 

6,850 00 

10,800 00 

2,400 00 

1,100 00 



$9,000 00 
7,000 00 
2,000 00 
9,000 00 

2,500 00 



$51,650 00 129,500 00 



330 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens*), 
[nterest due or accrued thereon, 
Stocks and bonds as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Re-insurance, 

Gross assets, 



$166,052 16 

3,792 48 

438,536 00 

29,600 00 

36,299 92 

126,321 44 

9,983 83 

111,902 83 

10,632 84 

6,964 23 



$940,585 73 



Liabilities. 

Losses adjusted, unpaid 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$60,859 66 

30,891 10 

2,660 00 

$94,410 76 
33,014 87 

£61,395 89 

321,979 71 

16,173 91 



399,549 51 

|541,036 22 

',000 00 



841,030 22 



Income. 
Fire premiums outstanding Dec. 31, 1890, . $119,314 03 
Premiums on risks written or renewed, . . 991,715 78 

Total, §1,111,029 81 

Premiums now in course of collection, . . 111,902 84 

Entire premiums collected, .... $999,126 97 
Less re-insurance and return premiums, . . 268,769 20 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Received for calls on capital, .... $100,000 00 
Received for increased capital, . . . 200,000 00 

Gross cash income, 



£730,357 77 
12,547 00 
11,938 11 



£754.-:. — 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$434,250 00 
7S.450 00 
45,200 00 



1891.] 



INS. COS. OF OTHER STATES. 



331 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$653,987 20 
198,699 47 



$455,287 73 
18,000 00 
183,092 31 
28,010 64 
10,264 26 
69,267 86 

$763,922 80 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, . 



Risks and Premiums. 

rremiums. 

.$31,055,395 00 $496,819 80 
. 73,840,474 00 991,715 78 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$104,895,869 00 $1,488,535 58 
. 43,757,144 00 694,098 18 



.,138,725 00 $794,437 40 
. 10,806,533 00 208,832 31 



.$50,332,192 00 $585,605 09 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, .... 

Cash dividends declared from organization of company, 

Dividends declared during the year, 

Company's stock owned by directors, .... 



$1,338,320 00 

638,808 00 

516,684 00 

50,832 00 

18,000 00 

230,600 00 



"SYNDICATE INSURANCE COMPANY," MINNEAPOLIS, MINX. 

[Incorporated July 28, 1886. Commenced business Sept. 1, 1886.] 
Paid-up Capital, $200,000. 
JOHN DeLAITTRE, President. JACOB STONE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value, Market Value. 

Hennepin County, Minn., bonds, . . . $60,000 00 $60,000 00 
40 shares Nicollet National Bank, Minneapolis, 4,000 00 4,600 00 



£64,000 00 $64,600 00 



332 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 



829 shares Minneapolis Elec. L and P. Co., 
50 '• Pioneer Fuel Company, 

200 " Bovey, DeLaittre Lumber Co., 
1200 " Minneapolis Syndicate, . 
Duluth Land and Warehouse Company, . 

400 shares New York Hotel Company, . 



Market Value. 

$25,000 00 
25,000 00 

JUKI 00 

10.000 00 



Loaned Tl,< 
fl''. 

00 
13,1 

G,0<" 



$133,000 00 $62,60" 



Summary of Assets Dec. 31, 1891. 
Loans on mortgage of real estate (first liens*), $18>.7. 

: 

64,600 

62,600 00 

2,066 43 

12.H74 16 

2,8!': 
62,880 93 
13 02 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 

i deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Re-insurance, etc., 

Gross assets, 



$403,086 25 



Liabilities. 

Losses adjusted, unpaid, .... 

Losses claimed and reported, . 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$8,540 43 
2 .459 24 

$28,999 67 
2,997 11 

$26,002 56 

141,098 19 

9,532 14 



176,6: - 39 



$226,453 36 
200,000 



$26,453 36 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance aud return premiums, . 

Net cash fire premiums received, 



$35,310 97 
328.001 64 

$363,312 61 
62380 93 

£300.431 68 



$240,711 61 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral. 



8356,600 00 
123,900 00 
100,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



333 



Interest received on mortgages, .$13,463 11 

Interest and dividends received from all other sources, . . 10,952 81 

Income from commissions, 1,598 83 

Gross cash income, $266,726 36 



Expenditure?. 
Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and emj)loyees, 

for State and local taxes, . 

for incidentals, .... 



?184,460 10 
10,681 29 



Gross cash expenditures, $288,680 79 



$173,778 81 
15,000 00 
53,067 01 
19,083 32 
8,934 81 
18,816 84 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . .$16,013,118 00 $214,75175 
Fire risks written during 1891, . . . 23,344,003 00 328,001 64 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



.$39,357,121 00 $542,753 39 
. 17,098,818 00 248,084 06 



. $22,258,303 00 $294,669 33 
. 1,560,052 00 23,280 23 



.$20,698,251 00 $271,389 10 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (J\ per cent.), 
Company's stock owned by directors, .... 



$722,413 00 

410,874 00 

189,833 00 

30,000 00 

15,000 00 

118,800 00 



- TEUTONIA INSURANCE COMPANY OF NEW ORLEANS," NEW 

ORLEANS, LA. 

[Incorporated April 12, 1871. Commenced business June 1, 1871.] 
Paid-up Capital, $250,000. 
WM. B. SCHMIDT, President. ALBERT P. NOLL, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $30,000 00 $35,400 00 

Louisiana State bonds 120,000 00 106,800 00 

New Orleans city bonds, 124,525 00 130,065 75 



334 FIRE, MARINE. AND FIRE-MARINE [Dec. 31, 



Canal & Claiborne Street Railroad bonds, 
5 shares Mechanics' & Traders* Ins. Co., 
10 shares Central Map, Sur. & Pub. Co of Chic , 

Securities held as collateral for cash loai 

Mortgage assigned, 

New Orleans Brewing Association bonds, 
230 shares Mutual Loan & Building Co., 
10 " Metropolitan Bank. 
2 " New Orleans City cv. Lake R.R., 

Mortgage assigned, 

New Orleans Brewing Association bond-. 



I'ur Value. 

|10,2 

I 00 



Market Value. 

I 00 



?285,475 00 $283,05: 



Market Value. 

$10,953 36 

"50 00 
1,700 00 

258 00 
3,499 98 



Loaned Thereon. 

$6,000 00 

1,-800 00 

5,000 00 

1,000 00 

100 00 

3,500 oo 



$24,761 34 17.- 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $40,862 50 

Loans on mortgage of real estate (first liens*), 66 

Stocks and bonds as per schedule, . . . .0-31 7.", 

Loans on collateral security, as per schedule, . 17,400 00 

Cash in the office of the company, . . . 414 62 

Cash deposited in bank, 44,852 04 

Premiums in course of collection (gross), . 48,665 71 
Office furniture, .... $1,000 00 

Gross assets, 

LlABILITIF- 

Losses claimed and reported, .... $19,968 16 
Unearned premiums on outstanding risks, . 100,119 60 
Dividends to stockholders unpaid, . 
Commissions and brokerage, .... 3,97 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection. 

Entire premiums collected, 

Less re-insurance and return premiums. . 

Net cash fire premiums received, 



$26,861 47 
251,745 48 

$278,606 95 
46,822 71 

$231,784 24 

52,311 78 






12: 

$336,803 44 
,000 00 

$86,803 44 



?179,472 46 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



roo oo 

42,900 00 



1891.] INS. COS. OF OTHER STATES. 



335 



Marine premiums outstanding Dec. 31, 1890, . $853 00 

Premiums on risks written or renewed, . . 47,100 9-4 

Total, $47,953 94 

Premiums now in course of collection, . . 1,843 00 

Entire premiums collected, .... $46,110 94 
Less re-insurance and return premiums, . . 8,935 54 

Net cash marine premiums received, . . 

Interest received on mortgages, 

Income from all other sources, 



$37,175 40 

20,208 49 

3,231 53 



Gross cash income, $240,087 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$109,779 13 
13,808 30 
12,500 00 
36,653 75 
23,483 63 
10,071 61 
7,602 42 

$213,898 84 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks written during 1891, . 
Deduct risks expired and terminated, 



. $13,490,987 00 
. 16,251,584 00 

. $29,742,571 00 
. 18,113,163 00 

. $11,629,408 00 
. 1,175,717 00 



Premiums. 

$150,362 62 
251,287 01 

$401,649 63 
196,682 04 

$204,967 59 
11,516 92 



.$10,453,691 00 $193,450 67 



$8,401,639 00 
8,401,639 00 



$47,100 94 
47,100 94 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent.), . 
Company's stock owned by directors, .... 



$3,844,081 00 

1,791,814 00 

129,747 00 

13,808 00 

451,392 00 

12,500 00 

67,100 00 



336 



FIRE, MARINE, AND FIRE-MARIXE [Dec. 31, 



"TEUTONIA FIRE INSURANCE COMPANY OF PHILADELPHIA,* 1 

PHILADELPHIA, PA. 

[Incorporated Aug. 7, 1871. Commenced business Sept. 1, 1871.] 
Paid-up Capital, $200,000. 
EUGENE FRANSSEN, President. THOS. CHAMBERLLN, Seer- ■ 



Detailed Statement of Stocks 



Pittsburg, Cincinnati & St. Louis R.R. bonds, 
City of Trenton school loan, 
Catawissa Railroad bonds, 
Schuylkill River Railroad bonds, 
Chicago & Western Indiana Railroad bond-, 
North Pennsylvania Railroad bond-. 
Savannah & Western Railroad bonds, 
Georgia, Carolina & Northern Railroad bonds 
Lehigh Valley Railroad bonds 
Allegheny Valley Railroad bonds, . 
Baltimore Belt Railroad bonds, 



and & 
Par Value 

1,000 00 
10,000 00 
10,000 00 

,1 (III 

10,000 00 
15,000 
15,000 00 
10,000 00 

5,000 00 
00 



Market Value. 

811. 

1,060 00 

11.- 

10,02-: 
5,4/v 

11,150 00 
11. 

15,075 00 
10,250 00 

.500 00 



Securities held as collateral for cash loans : — 

Philadelphia & Reading Railroad bonds, . 
Union Passenger Railroad bonds, 



$111,000 00 $114.7 

Market Value. Loaned Thereon. 

50 $1,000 00 
2,687 50 



$4,915 00 $3,500 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual insurance deposit, 

Gross assets, 



31, 1891. 

$75,000 00 

46,200 00 

406 49 

114,760 00 

3,500 00 

159 64 

16,075 09 

105 57 

3,767 77 

102 05 

936 00 



$261,012 61 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 



62.486 30 
17,547 77 
21,367 01 



* Total value of property mortgaged $113,100 00 

Amount of insurance held as collateral, .... 47,850 00 



1891.] 



INS. COS. OF OTHER STATES. 



337 



Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, 



$80 62 
482 56 



$41,96-4 26 

$219,048 35 
200,000 00 

$19,048 35 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 



Gross cash income, 



Expenditures 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 



$3,039 96 
29,891 22 

$32,931 18 
3,767 77 

$29,163 41 
6,956 72 



sources, . 

. $438 80 



$17,482 01 
3,076 16 



$22,206 69 
2,033 16 
7,057 39 
1,564 32 

$32,861 56 



$14,405 85 
10,000 00 
4,271 44 
4,328 00 
2,441 64 
2,584 34 

f38,031 27 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . . $4,073,619 00 $35,104 97 

Fire risks written during 1891, . . . 3,510,702 00 29,89122 

Total, . $7,584,321 00 $64,996 19 

Deduct risks expired and terminated, . . 3,520,033 00 28,002 49' 

In force at end of year, $4,064,288 00 $36,993 70' 

Deduct amount re-insured, .... 368,996 00 3,632 4L 

Net amount in force, $3,695,292 00 $33,361 29 

Perpetual risks in force (not included above), 1,034,360 00 . 23,741 12 



338 FIRE, MARINE, AXD FIRE-MARINE [Dec 31, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 per cent ), . 
Company's stock owned by directors, .... 



0490,91 ; 

153.1 31 0) 
15J90 oo 

199,254 00 

10.' 



"TRADERS' INSURANCE COMPANY," CHICAGO, ILL. 

[Incorporated February, 1865. Commenced business May, 1872.] 
Paid-up Capital, $500,000. 
E. BUCKINGHAM, President. R. J. SMITH, Secretary. 

Detailed Statement of >r«». ki and Boh 

Par Value. Market Value. 

United States bonds, $200,000 00 $23;; 

City of Portland, Ore., bonds, . . . . 5<>,000 00 66, 

Lincoln Park bonds, 3,000 00 

National Bank of America stock, . . . .)00 00 2'.'. 

Union National Bank stock, .... 10,000 00 17,000 00 

Continental National Bank stock, . . . 32,500 00 49. 2.57 50 

Chicago & Northwestern Railroad stock, com., 50,000 00 t;4..;75 00 

Chicago & Alton Railroad stock, . . . 10,000 00 14,100 00 

Chicago City Railway stock, . 00 384, 

Chicago West Division Railway stock, . . 6,800 00 41,48 

North Chicago City Railway stock, . . . 5,000 00 00 

North Chicago Street Railroad stock, . . 2o ,000 00 36,500 00 

National Railway stock, 40,000' 4<».G<»0 00 

Davenport & Rock Island Railroad stock, . 37,500 00 24,375 00 

Packers' and Provision Dealers' Ins Co. stock, 100,000 00 100,000 00 

Central Music Hall stock, 200 00 

Dearborn Club stock, 25,000 00 00 

West Chicago Street Railroad stock, . . 50,000 00 00 

Chicago Auditorium Association bonds, . . 25,000 00 I 00 

American Exchange National Bauk stock, . H»,000 00 13,900 00 

Chicago Packing ft Provision Co. bonds, . 25,000 00 24,*12 50 

$850,300 00 |1,28 1,18( 

SUMMARY OF ASSETS DEC 31, 1891. 

Cash value of unencumbered real estate, . f 1,500 00 

Loans on mortgage of real estate (first liens*), 144,153 07 
Interest due or accrued thereon, . . . 2,349 07 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1S6,060 00 
1S4.000 00 
129,250 00 



1891.] 



INS. COS. OF OTHER STATES. 



339 



Stocks and bonds, as per schedule, . , 
Cash in the office of the company, . . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Re-insurance, etc., 

Premiums more than 3 months due, $1,754 76 

Gross assets, 

Deduct special deposits in other States, . 



.,281,180 00 

379 82 

51,670 31 

8,722 70 

54,777 07 

22,032 53 



$1,566,764 57 
56,000 00 



Balance, $1,510,764 57 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Miscellaneous, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, 



$21,144 21 
52,821 53 
11,040 87 

$85,006 61 
5,935 60 

$79,071 01 

426,379 54 

7,828 74 

26,534 38 

$539,813 67 
12,759 29 



527,054 38 



$983,710 19 
500,000 00 



Surplus over capital, 



$483,710 19 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 



$52,881 46 
802,123 03 



$855,004 49 
56,531 83 

$798,472 66 
176,907 80 



sources, 



521,564 86 
10,785 10 
50,392 47 



Gross cash income, 



$682,742 43 



340 



FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$432,198 27 

47,591 



$384,604 03 
60,000 00 

122,406 67 
49,049 50 
20,830 58 
22,568 72 



$649,459 50 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

. $52,696,857 00 $767,842 10 
. 61,006,932 00 802,123 03 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



£113,703,789 00 $1,569,965 13 

. 48,588,401 00 672,323 74 



.$65,115,388 00 $897,641 39 
. 5,029,652 00 73,727 94 



.$60,085,736 00 $823,913 45 



MlSCELLANEOl-. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$8,419,924 00 

5,145,005 00 

456,339 00 

972,500 00 

50,000 00 

102,600 00 



"UNION INSURANCE COMPANY OF PHILADELPHIA. 
PHILADELPHIA, PA. 

[Incorporated Feb. 6, 1804. Commenced business July 25, 1803.] 

Paid-up Capital, $250,000. 

CHAS. S. HOLL1NSHEAD, President. EDGAR R. DAXNEL3, Secretary. 

Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

Chesapeake and Delaware Canal Co bonds, . $15,000 00 |8,625 00 

American Steamship Company bonds, . . 6,000 00 6,360 00 

Susquehannah Coal Company bonds, . . 10,000 00 11,900 00 

Baltimore & Ohio Railroad bonds, . . . 25,000 00 l>.750 00 

Steubenville & Indiana Railroad bonds, . . 15,000 00 15,900 00 

Philadelphia & Reading Railroad bonds, . 25,000 00 29,5l'0 00 

Pennsylvania Car trust bonds, . . . 10,000 00 10,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



341 



New York Car Trust bonds, . 
Shamokin, Sunbury & Lewisburg R R. bonds 
Bethlehem Iron Company bonds, 
Philadelphia & Reading Railroad bonds, 

Perkiomen bonds, 

100 shares Little Schuylkill Railroad, 
200 " Pennsylvania Railroad, . 
136 " North Pennsylvania Railroad, 
48 " Delaware Railroad, 
68 " Philadelphia National Bank, . 
88 " Farmers' and Mechanics' Nat'l B'k , 



Securities held as collateral for cash loans : — 

500 shares Texas Pacific Railroad, . 

200 shares Northern Pacific Railroad, 

United N J. Railroad bonds, . 

14 shares Commonwealth Title Ins. & T. Co 

22 " Commonwealth Title Ins. & T. Co 

80 " Commercial Natl Bank, . 

50 " 13th & loth St. Pass. Railway, . 

54 " Union Nat'l Bank, . 

Lee County (Iowa) bonds, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash dep< sited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Rents due and accrued, .... 
Perpetual insurance deposits, . 

Gross assets, 



Par Value. 

f 29,000 00 
4,000 00 
2,000 00 
9,000 00 
13,000 00 
5,000 00 
10,000 00 
6,800 00 
1,200 00 
6,800 00 
8,800 00 



Market Value. 

$ 29,000 00 

4,140 00 

2,000 00 

5,347 50 

13,325 00 

6,775 00 

11,425 00 

11,288 00 

1,488 00 

16,660 00 

12,320 00 



$201,600 00 


$224,803 50 


Market Value. 


Loaned Thereon. 


$6,875 00 ) 
5,2)0 00 S 


$10,000 00 


5,100 00 ) 
903 00 S 


5,000 00 


1,419 00 ) 
4,720 00 S 


5,000 00 


9,500 00 


6,500 00 


4,320 00 


1,000 00 


1,700 00 


1,000 00 


$39,737 00 


$28,500 00 


. 31, 1891. 




. $160,000 00 




9,900 00 




150 00 




224,803 50 




28,500 00 




618 00 




28,841 80 




1,213 34 




77,170 32 




115 00 




801 04 




742 50 


ftn32.ft£5 50 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, . 



Liabilities. 



$33,960 78 

20,002 94 

1,592 41 

$55,556 13 
5,330 52 

$50,225 61 



342 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Miscellaneous, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$163,269 67 

34,773 00 

1,730 03 

16,999 49 

848 53 



$267,846 33 



$265,009 17 
250,000 00 



.15,009 17 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



$76,333 50 
18,433 69 



$57,899 81 
382,445 40 



$440,345 21 
77,170 32 



$363,174 89 

97,858 42 



sources, . 

. $890 74 



$265,316 47 

592 50 

14,315 60 

6,104 45 



$286,329 02 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$221,840 97 

17,047 11 

$125 35 

62 67 



$204,793 86 



62 68 
575 85 

36 96 

9,396 70 
24,792 53 



Deposits returned on perpetual fire risks, 



$1,460 50 



Gross cash expenditures, $314,756 23 



1891.] 



INS. COS. OF OTHER STATES. 



343 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



.$33,685,788 00 
. 37,859,365 00 



.$71,545,153 00 
. 33,933,550 00 



.$37,611,603 00 
. 6,990,255 00 



.$30,621,348 00 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 
Perpetual risks in force (not included above), 1,306,328 00 

Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company^ stock owned by directors, .... 



Premiums. 

$398,466 47 
382,445 40 



$780,911 87 
367,367 23 



$413,544 64 
77,107 93 



$336,436 71 
38,636 67 



$22,151,491 00 

. 16,082,651 00 

223,362 00 

. 1,876,221 00 

31,736 00 



•« UNITED FIREMEN'S INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 2, 1860. Commenced business April 1, 1861.] 

Paid-up Capital, $300,000. 

ROBERT B. BEATH, President. DENNIS J. SWEENEY, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Philadelphia city bonds, ■ $40,000 00 $41,200 00 

Northern Central Railroad bonds, . . . 10,000 00 11,500 00 

Chicago & Western Indiana Railroad bonds, . 10,000 00 11,300 00 

Zanesville & Ohio Railroad bonds, . . . 10,000 00 6,000 00 

Pennsylvania Equipment Trust Co bonds, . 10,000 00 9,500 00 

Jacksonville, Tampa & Key West R.R. bonds, 10,000 00 10,000 00 

Toledo Belt Line Railway bonds, . . . 10,000 00 10.0' 00 

Chattanooga Union Railroad bonds, . . 15,000 00 15,375 00 

Oregon Pacific Railroad bonds, . . . 10,000 00 4,000 00 

McKeesport & Belle Vernon Railroad bonds, . 10,000 00 11,800 00 

Atlantic City Railroad bonds, .... 20,000 00 20,400 00 

Lehigh Valley Railway bonds, . . . 20,000 00 20,200 00 

Philadelphia & Reading Railroad bonds, . 10,000 00 10,550 00 

The Mortgage Trust Co. of Penn. bonds, . 10,000 00 10,000 00 

The Real Estate Title Ins & Trust Co. bonds, 20,000 00 20,000 00 

City of Woonsocket, Dakota, bonds, . . 6,000 00 6,300 00 

150 shares Union Passenger Railway, . . 7,500 00 25,500 00 

200 shares Continental Passenger Railway, . 20,000 00 24,000 00 



$248,500 00 |267,625 U0 



344 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Securities held as collateral for cash loans : — 

50 shares 13th & 15th Streets Pass Railway, 

20 

12 ' 

10 ■ 

40 ' 

50 « 

200 ' 

300 ' 



' Bucks County Trust Company, 
' Alt Hope Delaware Bridge Co , 
1 Title Guarantee & Trait ( <> , X. Y., 
' Commonwealth Title fas. & Tr. Co , 
' People's Passenger Railway Co , . 
1 Aletropolitan Traction Company, . 
1 Hestonville, Alan. & Fair. Pass. R'y, 

f 1000 bond Philadelphia & Reading R. R , . 

130 shares Title Guarantee & Trust Co , X. Y., 
13 m Pennsylvania Railroad, . 
30 " Real Estate Title Ins & Trust Co , 

Record Publishing Company bonds, 



Market Value. 

■■•> 00 

2,000 00* 

o oo ; 

1,60 

2,580 00 i 
2,500 00 ( 
15/J< I 

9,oo( ; 

20,800 00 
771 12 

50,000 00 



Loaned Thereon. 

$6,000 00 
10 00 

10 00 

20,000 00 

15,20(1 

00 
25,000 00 



1122,281 12 7,700 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due and accrued thereon, . 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
(ash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . . . 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Perpetual insurance deposit, 

Gross assets, 



31, 1891. 

f 115,850 00 

039,781 50 

11,149 31 

7,025 00 

77,700 00 

1 61 

35,946 85 

1349 85 

36,5*4 42 

102 00 

70 65 



$1,190,614 19 



Liabilities. 

Losses adjusted, unpaid, $12,897 58 

claimed and reported, .... 18,098 48 

disputed or resisted, .... 3,426 50 

Unearned premiums on outstanding risks, . 186,112 20 

Reclaimable on perpetual fire policies, . . 574,568 17 

Due and accrued for rent, salaries, etc , . . 628 31 

State and local taxes, 3,838 15 

Commissions and brokerage, .... 9,929 53 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, 



809,498 92 

$381.11.-. 27 
,000 00 

$81,115 27 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$1,304,100 00 
454,130 00 



1891.] 



INS. COS. OF OTHER STATES. 



345 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 



$20,240 54 
4 00 



),236 54 
310,553 69 



$330,790 23 
36,584 42 



Entire premiums collected, .... $294,205 81 
Less re-insurance and return premiums, . . 40,332 40 

Net cash fire premiums received, 
Interest received on mortgages and ground rents, . 
Interest and dividends received from all other sources, . 

Income from rents, 

Deposits received for perpetual fire risks, . $36,326 51 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, .... 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers aud employees, 

for State and local taxes, 

for incidentals, 
Deposits returned on perpetual fire risks, . $15,000 23 

Gross cash expenditures, . 



>53,873 41 

39,316 44 

18,377 71 

106 78 



$311,674 34 

$203,277 47 
21,000 00 
55,133 98 
20,185 74 
7,450 54 
18,574 89 

$325,622 62 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



$31,122,834 00 
32,971,694 00 

$64,094,528 00 
28,693,789 00 

$35,400,7:^9 00 
1,360,521 00 

$34,040,218 00 



Perpetual risks in force (not included above), 27,492,827 00 



Premiums. 

$327,511 19 
310,553 69 

$638,064 88 
268,344 76 

$369,720 12 
13,022 13 

$356,697 99 
634,457 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Cash dividends declared from organization of company, 
Dividends declared during the year (7 per cent.), . 
Company's stock owned by directors, . 



$2,445,851 00 

1,551,985 00 

217,611 00 

296,506 00 

21,000 00 

49,700 00 



346 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



"UNITED STATES FIRE INSURANCE COMPANY," 
NEW YORK, N. Y. 

[Incorporated April 1, 1824. Commenced business April 9, 1824.] 

Paid-up Capital, $250,000. 

W. W. UNDERHILL, President. W. H. GRIFFEY, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $5,000 00 

Rensselaer & Saratoga Railroad stock, . . 15,000 00 

New l r ork Central & Hudson River R R. stock, 45,000 00 



Market Value. 

$5,8." 

25,500 00 
52,368 75 



$65,000 00 $83,718 75 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), $505,500 00 

Interest accrued thereon, 2,140 00 

Stocks and bonds, as per schedule, . . . 83,718 75 

Cash in the office of the company, . . . 12,208 42 

Cash deposited in bank, 1,814 50 

Interest due and accrued, .... 1,325 00 

Premiums in course of collection (gross), . 64,577 15 

Gross assets f, $671,283 82 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



$7,095 05 

15,518 49 

3,400 00 

176,030 11 

12 50 

1,669 90 

5,687 17 

4.751 14 



214,164 36 

$457,119 46 
250,000 00 



Surplus over capital, 207,119 46 



* Value of land mortgaged, $335,500 00 

Value of buildings thereon, 660,000 00 

Amount of insurance held as collateral, .... 535,450 00 

t Including $125,000 special reserve fund held under New York law. 



1891.] 



INS. COS. OF OTHER STATES. 



347 



Income. 
Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 

Gross cash income, . . . 



Expenditures 
Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insUrance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, .... 



Gross cash expenditures, 



$17,307 57 
423 46 



$16,884 11 
294,149 02 


$311,033 
61,240 


13 
26 


$249,792 87 
45,924 21 


$2,778 
24,756 


17 
60 


$27,534 77 
3,336 89 


$24,197 88 
7,815 83 



sources, 



$149,889 92 
17,842 04 

$31,221 41 
4,376 86 



$203,868 66 



16,382 05 

27,669 15 

1,273 40 

10 50 

$249,203 76 



$132,047 88 



26,844 55 
24,999 75 
48,634 49 
18,493 41 
382 80 
21,434 36 

$272,837 24 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

.$27,207,536 00 $240,205 65 
. 42,621,375 00 294,149 02 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



.$69,828,911 00 $534,354 67 
. 22,826,303 00 200,705 83 



. $47,002,608 00 $333,648 84 
. 2,933,677 00 29,423 74 



. $44,068,931 00 $304,225 10 



348 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$81o,457 00 
969,931 00 



$1,785,388 00 
977,083 00 



Premiuma. 

$2-1,455 17 
24,750 CO 



$49,211 77 



$808,305 00 121,830 69 
352,758 00 9,133 85 



$455,547 00 $12,696 84 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), 
Company's stock owned by directors, .... 



$4,449,311 00 

2,334,848 00 

140,283 00 

20. 1 

1,751,590 00 

25,000 00 

50,800 00 



UNITED STATES LLOYDS, NEW YORK, N. Y. 

[Commenced business November, 1872.] 

Higgins, Cox & Barrett, Attorneys. 



Detailed Statement of Stocks axd Bonds. 

Par Value. 

$50,000 00 
100,000 00 



United States bonds, 

City of New York bonds, 

City of Boston bonds, 

City of St Louis bonds, . 

City of Cincinnati bonds, . 

West Shore Railroad bonds, 

Atlantic Mutual Insurance Company scrip, 



50,000 00 
50,000 00 
50,000 00 
50,000 00 
20,766 08 



Market Value. 

$58,250 00 

107,000 

.500 00 
51,000 00 
51,000 00 
51,000 00 
20,766 08 



$370,766 08 $396,516 08 



Securities held as collateral for cash loans : — 

Market Valne. Loaned Thereon. 

Louisville, New Orleans & Texas R R. bonds, $113,715 00 $85,000 00 

Home Insurance Company stock, . . . 5,162 00 \ 

Long Island Loan and Trust Company, . . 2,200 00 i 8,950 00 

Lewis & Fowler Manufacturing Co. stock, . 3,375 00^ 



§124,452 00 $93,950 00 



1891.] 



INS. COS. OF OTHER STATES. 



349 



Summary of Assets Dec. 

Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Re-insurance and salvage, 

Gross assets, 



31, 1891. 

$396,516 08 

93,950 00 

2,000 00 

77,909 71 

6,110 42 

163,552 58 

15,138 75 

126,023 58 



,201 12 



Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Rebates and return premiums, 

Trust funds, 

Due and accrued for rent, salaries, etc , 
Commissions and brokerage, . 
Gross liabilities, 



$155,550 00 

121,237 55 

19,139 08 

824 72 

1,300 00 

9,000 00 



307,051 35 



Surplus, $574,149 77 



Income. 

Marine premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



),710 38 
1,482,059 96 



Total, . . . . • . 
Premiums now in course of collection, 



.,581,770 34 
121,237 55 



Entire premiums collected, . . • . • . $1,460,532 79 
Less re-insurance and return premiums, . . 814,004 99 

Net cash marine premiums received, . . $646,527 80 

Interest and dividends received from all sources, . . . 21,455 72 
Income from brokerage and commissions, .... 60,657 19 



Gross cash income, $728,640 71 



Expenditures. 
Cash paid for marine and inland losses, . 
Deduct salvage and re-insurance, 
Net cash paid for marine and inland losses, 
Cash dividends paid, .... 

Cash paid for commissions and brokerage, 
Cash paid for taxes and incidentals, 
Profit and loss account, .... 



$920,583 52 
348,660 74 



$571,922 78 

50,000 00 

54,700 65 

51,067 86 

5,759 65 



Gross cash expenditures, 



$733,450 94 



350 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

. $8,773,047 00 $99,710 38 
.245,735,859 00 1,482,059 90 



$254,508,906 00 $1,581,770 34 
.246,058,899 00 1,460, 



. $8,450,007 00 ? 121,237 55 
. 2,238,218 00 30,203 04 



. $6,211,789 00 |91,034 51 



Miscellaneous. 

Marine and inland losses incurred during the year (estimated), $620,083 00 
Dividends declared during the year, 50,000 00 



"WESTCHESTER FIRE INSURANCE COMPANY," NEW YORK, N. Y. 



[Incorporated as mutual March 14, 1837. Commenced business as joint-stock Jan. 1, 1870.] 

Paid-up Capital, $300,000. 
GEO. R. CRAWFORD, President. JOHN Q. UNDERBILL, Secretary. 



Detailed Statement of Stocks and B<>m><. 



New York city bonds, .... 

United States bonds, 

Richmond, Va., city bonds, 

Central Pacific Railroad bonds, . 

Richmond & Danville Railroad bonds, 

St. Joseph & Grand Island Railroad bonds, 

Housatonic Railroad bonds, 

Chicago, Burlington & Quincy Railroad bonds 

Philadelphia & Readiug Railroad bonds, . 

Atchison, Topeka & Santa Fe Railroad bonds, 

Albany & Susquehanna Railroad stock, . 

Harlem Railroad stock, .... 

New York, Lackawanna & Western R.R. stock 

Rensselaer & Saratoga Railroad stock, 

Long Island Railroad stock, 

New York Central Railroad stock, 

Consolidated Gas Company's stock, . 



Par Value. 

.100,000 00 
75,000 00 
15,000 00 
25,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
25,000 00 
20,000 00 
40,000 00 
60,000 00 
80,000 00 
50,000 00 
50,000 00 
20,000 00 
20,000 00 



Market Value. 

$102,000 00 
88,000 00 
15,600 00 
25,000 00 
22,600 00 
18,200 00 
21,000 00 
18,000 00 
21,500 00 
17,000 00 
68,000 00 
156,000 00 
88,000 00 
85,000 00 
-.000 00 
00 
20,800 00 



§660,000 00 |838,200 00 



1891.] 



INS. COS. OF OTHER STATES. 



351 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $214,000 00 

Loans on mortgage of real estate (first liens*), 348,200 00 

Interest due or accrued thereon, . . . 2,471 99 

Stocks and bonds, as per schedule, . . . 838,200 00 

Cash deposited in bank, 140,964 98 

Premiums in course of collection (gross), . 138,903 33 

Notes taken for fire and inland risks, . . 2,851 01 

Gross assets, 

Deduct special deposits in other States, 



,685,591 31 
103,600 00 



Balance, $1,581,991 31 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$54,128 02 

64,422 39 

3,500 00 

$122,050 41 
11,235 43 

$110,814 98 

828,832 25 

24,141 20 

$963,788 43 
34,009 34 



929/779 09 

§652,212 22 
300,000 00 



Surplus over capital, $352,212 22 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, ...... 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 



$107,613 04 
1,262 93 



$106,350 11 
1,213,884 74 



$1,320,234 85 
141,754 34 



$1,178,480 51 
125,607 44 



$1,052,873 07 



* Value of lands mortgaged, . . . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$385,500 00 
363,450 00 
361,125 00 



352 FIRE, MARINE, AND FIRE-MAPJXE [Dec. 31, 



Marine premiums outstanding Dec. 31, 1890, . $270 80 

Same not collected, 27 50 

Net cash marine premiums received, . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



$243 30 

57 33 

31,751 30 

164 00 



Gross cash income, $1,112,489 00 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$639,489 21 
30,994 94 



$608,494 27 

30,000 00 

839,749 72 

42,013 89 

24,183 64 

182,455 "2 



. $1,076,896 54 



Risks and Premilm>. 

Premiums. 

Fire risks outstanding Dec 31, 1890, . $163,218,679 00 $1,576,359 18 



Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1890, 
Deduct risks expired and terminated, 



.116,675,703 00 1,213,884 74 



$279,80 I $2,790,243 92 
.111,472,350 00 1,121,138 15 



$168,422,032 00 $1,669,105 77 
. 5,809,937 00 58,330 63 



$162,612,095 00 $1,610,775 14 



$60,050 00 
60,050 00 



$1,652 75 
1,655 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of coinpauy, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), . 
Company's stock owned by directors, .... 



$15,861,830 00 

8,752,629 00 

645,729 00 

588,000 00 

30,000 00 

95,000 00 



1891.] 



INS. COS. OF OTHER STATES. 



353 



" THE WESTERN INSURANCE COMPANY OF PITTSBURGH," 

PITTSBURGH, PA. 

[Incorporated March 20, 1849. Commenced business May 1, 1849.] 



Paid-up Capital, $300,000. 



ALEXANDER NIMICK, President. 



WM. P. HERBERT, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

Allegheny County bonds, .... 
Pittsburgh Junction Railroad bonds, 
Pittsburgh & Western Railroad bonds, . 
100 shares Pittsburgh & Western Railroad, 
Lawrence Railroad bonds, 
Monongahela Incline Plane Company bonds, 
Pittsburgh and Allegheny Bridge Co. bonds, 
Central Traction Company bonds, . 
Wilkinsburg Borough bonds, . 
Braddock Township school bonds, . 
Bellevue Borough school bonds, 
German Evan. Prot. Church, Pittsb'gh, bonds, 



and Bonds. 

Par Value. 

$30,000 00 

20,000 00 

18,000 00 

10,000 00 

5,000 00 

1,000 00 

4,000 00 

15,000 00 

15,000 00 

30,000 00 

12,000 00 

1,000 00 

8,000 00 



Market Value. 

$35,100 00 

20,000 00 

20,880 00 

8,300 00 

2,100 00 

1,070 00 

4,060 00 

15,525 00 

15,825 00 

30,600 00 

12,120 00 

1,010 00 

8,430 00 



$169,000 00 $175,020 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, .... 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Re-insurance, 

Gross assets, 



$62,000 00 

166,097 50 

2,082 00 

175,020 00 

216 78 

7,063 99 

432 00 

20,125 19 

225 00 

623 34 



$433,885^80 



Liabilities. 
Losses adjusted, unpaid, . 

Losses claimed and reported, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 



$21,493 53 
11,300 00 

$32,793 53 
500 00 

$32,293 53 
95,549 05 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$171,300 00 
316,900 00 
152,600 00 



354 FIRE, MARINE, AXD FIRE-MARIXE [Dec. 31, 



Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



- 

150 00 
3,818 66 



Surplus over capital, 



$131,96 : 

$301,924 56 
300,000 00 

$1,924 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums on risks written or renewed 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 
for salaries of officers and employ 
for State and local taxes, . 
for incidentals, . 



Gross cash expenditures $207,605 95 



$17,345 93 
177,707 40 

,053 33 
20,125 19 

|174£38 14 

21,496 71 

2 38 



sources, 



$1 


53,431 






369 


29 




9,740 








. 




975 


00 


•1 


72,924 96 



$157,705 72 

5,8' 



ees 



$151,838 48 

20 

8,994 96 
7 91 

6,556 03 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



$16,335,801 00 
15,817,731 00 

$32,153,533 

15,343,941 00 

$16,809,591 00 
434,704 00 



Premiums. 

$188,198 79 

177 

G 19 

173,517 W 

|] :. 38 . 

4,344 31 



.$ 16,374,887 00 $188,044 01 



1891.] 



INS. COS. OF OTHER 



Marine risks written during 1891, . 
Deduct risks expired and terminated, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), 
Company's stock owned by directors, 



STATE 


s. 


355 

Premiums. 


$45,562 


00 


$371 67 


45,562 


00 


371 67 


mpany, 




$3,347,651 00 

1,864,560 00 

153,751 00 

890,500 00 

9,000 00 

65,300 00 



« WILLTAMSBURGH CITY FIRE INSURANCE COMPANY," 

BROOKLYN, N. Y. 

[Incorporated March, 1853. Commenced business March, 1853.] 

Paid-up Capital, $250,000. 

MARSHALL S. DRIGGS, President. FRED'K H. WAY, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States currency bonds, .... $5,000 00 $5,750 00 

Richmond, Va., city bonds, .... 12,500 00 12,500 00 

Georgia State bonds 25,000 00 29,250 00 

Calvary Cem.,Greenpoint & B'klyn R.R. bonds, 20,000 00 22,000 00 

Long Island Bank, Brooklyn, stock, . . 10,000 00 14,200 00 

First National Bank, Brooklyn, stock, . . 5,000 00 25,000 00 

People's Gas Light Company, Brooklyn, stock, 13,000 00 9,750 00 

Metropolitan Gas Light Co., Brooklyn, stock, . 5,000 00 5,000 00 

Dry Dock, East Broadw'y & Battery RR. stock, 20,000 00 26,000 00 

Dry Dock, East Broadw'y & Battery R.R. scrip, 20,000 00 20,200 00 

Central Park, North & East Rivers R.R. stock, 30,000 00 36,000 00 

Kings County Trust Co., Brooklyn, stock, . 6,500 00 12,025 00 

Brooklyn City Railroad stock, .... 26,620 00 46,052 60 

Washington Trust Company, N. Y., stock, . 3,300 00 6,105 00 

Forty-second St. & Grand St. Ferry R.R. stock, 24,000 00 57,600 00 

New York and New Jersey Teleph. Co. stock, . 10,000 00 9,700 00 

Brooklyn and New York Ferry Co. stock, . 5,000 00 8,500 00 

Brooklyn and New York Ferry Co. scrip, . 1,200 00 1,224 00 



Securities held as collateral for cash loans : — 

Title Guarantee and Trust Company stock, 
Lafayette Insurance Company stock, 

Amphion Academy stock, 

Second Avenue Railroad stock, 



$242,120 00 $346,856 60 



Market Value. Loaned Thereon. 



$6,400 00 


$5,000 00 


700 00 n 




225 00 i 


1,000 00 


380 00 ) 




$7,705 00 


$6,000 00 



356 FIRE, MARINE, AND FIRE-MARINE [Dec. 31, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Re-insurance, 

Premiums more than 3 months due, $1,019 31 

Gross assets f, 

Deduct special deposits in other States, . 

Balance, . . ... 



31, 1891. 

$634,843 90 
437^60 00 
1,460 64 
546 - 
6,00 

1,388 06 

16,767 50 

3,667 70 

68,283 17 

19 73 

2,o 1 



-7.173 21 
41,750 00 

$1,485,423 21 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
Dividends to stockholders unpaid, 
Due for borrowed money, 
State and local taxes, 
Commissions and brokerage, . 
Re-insurance, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



$8,234 83 

58 

4,430 41 

?42,224 
6,310 78 

835,914 04 

467,446 91 

100 00 

145,000 00 

2.:.5:3 27 

11,258 13 

2,424 43 

$664,696 78 

22,862 37 641,834 41 



$843,588 80 
250,000 00 



Surplus over capital, $593,588 80 

* Value of lands mortgaged, $365,750 00 

Value of buildings thereon 398,050 00 

Amount of insurance held as collateral 364,300 00 

t Including $280,000 special reserve fund held under New York law. 



1891.] 



INS. COS. OF OTHER STATES. 



357 



Income 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 



Entire premiums collected, .... $637,606 51 

Less re-insurance and return premiums, . . 86,692 24 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, .... 



Gross cash income, 



864,665 00 
4,799 60 



$59,865 40 
647,043 59 



$706,908 99 
69,302 48 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, . 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

for expenses on real estate, 

Gross cash expenditures, .... 



$435,195 74 
56,713 78 



$550,914 27 

14,579 05 

17,255 71 

45,311 31 



$628,060 34 



$378,481 96 
49,980 00 
135,827 96 
60,402 69 
6,026 24 
38,684 99 
18,549 43 

$687,953 27 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$120,616,385 00 

. 82,570,282 00 

$203,186,667 00 

. 79,773,007 00 

$123,413,660 00 

. 5,710,745 00 



Premiums. 

$942,109 83 
647,043 59 



$1,589,153 42 
015,249 30 



$973,904 12 
60,360 61 



$117,702,915 00 $913,543 51 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent ), 
Company's stock owned by directors 



$12,612,604 00 
6,521,702 00 
359,407 00 
1,252,500 00 
50,000 00 
80,000 00 



358 



INS. COS. OF OTHER STATES. [Dec. 31, '.'l. 



AGGREGATE. 



Capital Stock. 




Capital actually paid up in cash, 


|44,660 v 244 


Scrip outstanding, 


_"j,451 00 


Assets. 




Gross present assets, 


$i<> <; oo 


Liabilities. 




Gross present liabilities, 


$76,511,788 00 


Income. 




Cash actually received for fire premiums, 


$67.3*5,427 00 


for marine and inland premiums, .... 




for interest and dividends from all sourct 




from all other sources, 


781,545 00 


Gross cash income, 


$8l .' 00 


Expenditures. 




Cash actually paid during the year for fire losses, 


7 00 


for marine and inland losses, ..... 


4,4<»3,<;i5 00 


for dividends to stockholders, .... 


5,309.115 00 


for redemption of scrip, 


>.749 00 


for interest to scrip-holders, 


44U.497 00 


for brokerage and commission on premiums, 


13, 00 


for salaries and pay of officers and employees, 


5,5. " 


for State and local taxes, 


1,720,31) 


■ for office, agency and incidental expenses, . 





Gross cash expenditures, 

Miscellaneous. 
Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, . 
marine and inland risks written during the year 
premiums charged or receivable thereon, 
fire risks terminated during the year, . 
marine and inland risks terminated, . 
fire risks outstanding at end of year, . 
marine and inland risks outstanding, . 
cash dividends declared during the year, 
fire losses incurred during the year, . 
marine losses incurred during' the vear, 



$79,401,364 00 



$8,481,026,192 00 

,193,951 00 

1,55- 4 00 

10,834,72 

;•_ 7,1 . .4 00 

1,54. 

10,191,115335 00 

',395 00 

29 00 

47 00 

5.033,549 00 



UNITED STATES BRANCHES OF 

FOEEIGN FIEE AND MAEINE 
INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for* the Year Ending 

December 31, 1891. 



360 



UNITED STATES BRANCHES OF [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE " ATLAS ASSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

GILBERT PALACHE, General Manager. 

Office, San Francisco. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Boston city bonds, . . . . . $180,000 00? $220 000 do 

20,000 00 S ' 



Fitchburg Railroad bonds, 

Pennsylvania Railroad bonds, . 

N. Y, Central & Hudson River R.R. bonds, 



25,000 00 
25,000 00 



29.G60 80 
25,107 85 



$250,000 00 $274,768 65 



Summary of Assets Dec. 31, 1891. 

Bonds, as per schedule, §274,768 65 

Cash deposited in bank, 29,029 15 

Premiums in course of collection (gross), . 35,308 70 

Gross assets, 



Unadmitted. 



Cash not in control of trustees, 
Balance, . 



$339,106 50 
8,000 00 



$337,106 50 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 



Surplus as regards policy-holders, 
Deposit capital, .... 



$3,204 10 

6,108 00 

7 92 

76,351 27 
5,6S4 58 



92,055 87 

$845,050 63 

200,000 00 



Surplus over capital, $45,050 63 



1891.] FOREIGN FIRE INSURANCE COS. 



361 



Income 
Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, 



Gross cash income, 



$21,015 61 
164,827 63 



$185,843 24 
35,308 70 



$150,534 54 
44,036 04 



$106,498 50 
$106,498 50 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

for State and local taxes, . 

for incidentals, . . . . 

Gross cash expenditures, . 



$43,052 07 

37,253 48 

319 75 

4,836 74 



$85,462 04 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$4,809,580 00 
11,075,195 00 

$15,884,775 00 
5.361,636 00 



$10,523,139 00 
1,350,044 00 



Premiums. 

$94,267 68 
164,827 63 



£259,095 31 
91,530 38 



$167,564 93 
24,978 23 



Miscellaneous. 
Fire losses incurred during the year (estimated), 



1,173,095 00 $142,586 70 



$50,239 00 



UNITED STATES BRANCH OF THE "BRITISH AND FOREIGN 
MARINE INSURANCE COMPANY (LIMITED); 1 LIVERPOOL, 

ENGLAND. 

Deposit Capital, $504,840. 

L. ALLYN WIGHT, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. .Market Value. 

United States bonds, $325,000 00 $363,258 75 

Boston & Lowell Railroad bonds, . . . 100,000 00 101,333 88 

Fitchburg Railroad bonds, .... 80,00000 80,08760 

Boston, Clinton, Fitch. & N. Bedfd R.R. bonds, 2,000 00 90 00 



3()2 



UNITED STATES BRANCHES OF [Dec. 31, 



Providence & Worcester Railroad bonds, 
Old Colony Railroad bonds, 
Eastern Railroad bonds, . 
Allegheny Valley Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Chicago, Mil. & St. Paul Railroad bonds, 



Par Value. 

$50,000 00 
52,000 00 
20,840 00 

100,000 00 
39," 
7.0,000 00 



Market Value. 

$55,870 00 
56,288 33 

25,428 56 
121,000 
41,340 00 

7 -,037 50 



$843,840 00 $924,738 97 



Summary of Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Cash in the office and in bank, . 
Premiums in course of collection (gro>~ 
Notes taken for marine and inland risks, 

Re-insurance, 

Gross assets, 

Unadmitted. 

Special deposits, 

Cash not in control of trustees, 

Premiums in course of collection in excess of 

unearned premiums, 

Re-insnrance, 

Balance, 



$50,000 00 

924,738 97 

32. 

274,635 98 

14£23 M 

31,304 87 



$1,3- 



$196,093 75 
32,065 06 

9,690 99 
31,304 87 



269,154 67 
7,913 46 



Liabilities. 

Losses adjusted and reported, 
Losses disputed or resisted, 

Total amount of losses, 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks 
Unused balances of premium notes, 
State and local taxes, 
Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



$170,963 24 
13,389 00 

£190,352 24 
61,601 24 

J128,751 00 

269,104 88 
10,163 36 

2.275 70 
21,616 38 

-7.480 25 



$519,391 57 
9,748 60 



509,642 97 

$548,270 49 
504.840 00 



Surplus over capital, $43,430 49 



1891.] FOREIGN FIRE INSURANCE COS. 



363 



Income. 

Marine premiums outstanding Dec. 31, 1890, . $181,034 87 

Premiums on risks written or renewed, . . 1,929,338 27 

Total, . $2,110,373 14 

Premiums now in course of collection, . . 284,153 31 



Entire premiums collected $1,826,219 83 

Less re-insurance and return premiums, . . 732,969 66 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 
Received from home office, .... $231,623 34 



$1,093,250 17 
39,245 71 



Gross cash income, . 



. $1,132,495 88 



Expenditures. 

Cash paid for marine and inland losses, . . $955,998 59 
Deduct salvage and re-insurance, . . . 587,724 81 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

Remitted to home office, $746,936 98 



$368,273 78 

149,791 76 

61,454 20 

21,855 85 



Gross cash expenditures, . 



$601,375 59 



Risks and Premiums. 

Premiums. 

.Marine risks outstanding Dec. 31, 1890, . . $13,925,330 00 $142,425 41 
Marine risks written during 1891, . . . 301,342,998 00 1,929,338 27 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$315,268,328 00 $2,071,763 68 
. 292,842,782 00 1,768,280 76 



.$22,425,546 00 $303,482 92 
. 8,432,297 00 122,672 37 



.$13,993,249 00 $180,810 55 



Miscellaneous. 
Marine and inland losses incurred during the year, 



. $423,402 00 



364 



UNITED STATES BRANCHES OF [Dec. 31. 



UNITED STATES BRANCH OF THE "CALEDONIAN INSUR- 
ANCE COMPANY,' 1 EDINBURGH, SCOTLAND. 

Deposit Capital, $200,000. 
HENRY W. BROWN, Resident Manager. 

Office, Philadelphia, Pa. 



Detailed Statement of Stocks 



United States registered bonds, 
Lehigh Valley Railroad bonds, 
Allentown Terminal Railroad bonds, 
Richmond & Petersburg Railroad bonds, 
Penn. and New York Canal & R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
New York, Chicago & St. Louis R.R. bonds, 
St. Paul, Minn. & Manitoba R.R. bonds, . 
City of Richmond, Va , bonds, 
New York city bonds, .... 
Georgia State bonds, .... 



AM) Bond-. 
Par Value. 

|100,000 00 
60,000 

50,000 00 

100,000 00 

,000 00 

60,000 00 

50,000 00 

22,500 00 

200,000 00 

25,000 00 



Market Value, 
fll*. 

63. 

61,000 00 
61, 
99,000 00 

48. 

44,000 00 
22." 

> 00 



7,500 00 $771. " 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 
Gross assets, 



31, 1891. 

$50,000 00 

771,937 50 

262 60 

66,306 25 
95,298 77 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$215,500 00 
49,247 31 



$983,805 02 



264,747 31 



Balance, $719,057 71 



Liabilities. 

Amount of unpaid losses, .... 33,185 00 

Unearned premiums on outstanding risks, . 424,027 72 

Commissions and brokerage, .... 18,259 70 

Gross liabilities, except capital, . . 525,472 42 
Deduct liability on special deposits, . . 29,759 22 

Surplus as regards policy-holders, 

Deposit capital, 



495,711 

$223,344 51 
_ 0,000 00 



Surplus over capital, $23,344 51 



1891.] FOREIGN FIRE INSURANCE COS, 



365 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, . .... 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest and dividends received from all sources, . 



$86,447 88 
926,737 59 



.,013,185 47 
95,298 77 



$917,886 70 
264,508 10 



$653,378 60 
26,865 38 



Gross cash income, $680,243 98 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$481,890 19 
45,735 25 



Gross cash expenditures, . 



$436,154 94 

137,440 70 

59,162 00 

17,948 46 

45,856 81 

$696,562 91 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



Premiums. 

.$58,482,529 00 $752,192 19 
. 88,516,998 00 926,737 59 



$146,999,527 00 $1,678,929 78 
70,271,020 00 784,602 33 



$76,728,507 00 $894,327 45 
6,557,622 00 80,962 49 



$70,170,885 00 $813,364 96 



Miscellaneous. 
Fire losses incurred during the year, 



. $453,726 00 



366 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE "CITY OF LONDON I IKE 
INSURANCE COMPANY (LIMITED)," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
JOHN C. PAIGE, Iietident Manager. 

Office, No. 20 Kilby Street, Boston. 



Detailed Statement of Stocks 



United States bonds, 

Old Colony Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Fitchburg Railroad bonds, 

Southern Kansas Railroad bonds, 

Eastern Railroad bonds, .... 

Oregon Railway & Navigation Co. bonds, 



and Bonds. 

1'ar Value. 

$230,000 00 
50,000 00 
50,000 00 
24,000 00 
52,000 00 
54,000 00 
55,000 00 



Market Value. 

$271,400 

51,500 00 
51,500 00 
26,680 00 
47,060 00 

65,070 00 
62,150 00 



|515,000 00 |574,360 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1891. 

$574,360 00 

.' 50 

36,427 30 

2,080 00 

70,479 25 



Unadmitted. 



Cash not in control of trustees, 



$683,439 05 



16,814 28 



Balance, $666,624 77 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return premiums and re-insurance, . 
Gross liabilities, except capital, 



?28,599 06 

23,367 26 

7,055 00 



$59,021 32 
1,250 00 

$57,771 -*i2 

267,250 28 

14,859 77 

2.702 35 



342.0- 73 



1891.] 



FOREIGN FIRE INSURANCE COS. 



367 



Surplus as regards policy-holders, $324,041 05 

Deposit capital 200,000 00 



Surplus over capital, . 



.24,041 05 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, . ... 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest and dividends received from all sources, . 

Gross cash income, 



$78,693 60 
507,091 69 

$585,785 29 
70,479 25 

$515,306 04 
94,184 73 



$421,121 31 
18,906 13 

$440,027 44 



Expenditures. 

Cash j3aid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, 

Cash paid for commissions and brokerage, 



$307,739 11 
12,950 35 



for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, ..... 



Remitted to home office, . 

Gross cash expenditures, . 



$15,511 60 



$294,788 76 
99,958 26 
34,040 05 
15,040 34 
12,289 90 



$456,117 31 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$46,510,405 00 $571,979 66 
46,991,407 00 507,091 69 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, 



$93,501,812 GO $1,079,071 35 
44,791,233 00 515,559 33 



,710,579 00 $563,512 02 
1,735,627 00 22,286 31 



$46,974,952 00 $541,225 71 



Miscellaneous. 
Fire losses incurred during the year, 



. $308,593 00 



368 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE -COMMERCIAL L'S1()S 

ASSURANCE COMPANY (LIMITED)," LONDON. ENGLAND. 

Deposit Capital, $200,000. 
CHARLES 8EYVALL, Rendent Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks axd Bohds. 

Par Value. Market Value. 

United States bonds $425,000 no $497,2 

Akron ft Chicago Junction Railroad bonds, . 30,' 

Allegheny Valley Railroad bonds, . . . 10,000 I 12; 

Baltimore and Ohio Valley Railroad bonds, . 50,0 51, 

Chicago, Burlington ft Quincy Railroad bonds, 100. 10:;. 

Chicago, Milwaukee & St. Paul R R. bonds, . 00 135,250 00 

Chicago ft Northwestern Railroad bonds, . 124,000 00 150.100 00 

Chicago, Rock Island ft Pacific R.R. bonds, . 60,000 00 72,000 00 

Cleveland, Cincinnati & Chicago R.R. bonds, . 50,000 00 45,500 00 

Denver & Rio Grande Railroad bonds, . . 60,000 00 47. 

Indianapolis ft Vincennes Railroad bonds, . 65,0(0' 78,< '00 

Lehigh Valley Terminal Railroad bonds, . .<X)0 00 

Louisville vv. Nashville Railroad bonds, . . 50,000 00 00 

New York Central ft Hudson Riv. R R. bonds, 30,000 00 36,750 00 

N. Y., Lackawanna ft Western R.R. bonds, . .000 00 36,395 00 

Pittsburgh, Ft. Wayne ft Chicago R.R. bonds, 15,000 00 23,100 00 

Western Pennsylvania Railroad bonds, . . 50,000 00 50,000 00 

West Shore Railroad bonds, .... 50,000 00 00 

Michigan Central Railroad bonds, . . . 40,000 46.800 00 

$1,413,000 i Si.-;,.. v 

31, 1891. 

$863,497 01 

1,570,880 00 

6,835 22 

610,280 19 

24,038 18 

473,326 93 

20,427 13 

11,170 59 

5,503 73 

$3,585,958 98 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Interest due and accrued 

Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 

Re-insurance, etc, 

Gross assets, 

Unadmitted. 

Special deposits, 

Cash not in control of trustees, 

Bills receivable, 

Re-insurance, 



$263,250 00 

92,643 49 

20,427 13 

421 33 



Balance, 



376,741 95 
$3,209,217 03 



1891.] FOREIGN FIRE INSURANCE COS. 

Liabilities. 



369 



Losses adjusted, unpaid, . 
Losses disputed or resisted, 

Total amount of losses, . 
Less re-insurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due and accrued for rent, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, , 
Deposit capital, 



Surplus over capital, 



$310,146 5-4 
19,597 66 

$329,744 20 
11,197 00 

$318,547 20 

2,080,789 04 

8,114 90 

2,666 66 

69,082 43 

$2,479,200 23 
185,392 53 



$2,293,807 70 

$915,409 33 
200,000 00 

$715,409 33 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1890, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, . . - 

Interest and dividends received from all sources, 

Income from rents, 

Deposits received for perpetual fire risks, 



$491,842 69 
3,289,189 78 

$3,781,032 47 
471,585 35 

$3,309,447 12 
582,725 38 

$1,248 60 
202,244 22 

$203,492 82 
1,741 58 

$201,751 24 
19,279 59 



$2,726,721 74 



182,471 65 
46,209 12 
39,573 05 



^5,529 95 



Gross cash income, $2,994,975 56 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, , 



$1,843,554 93 
47,987 48 



$1,795,567 45 



370 UNITED STATES BRANCHES OF [Dec. 31, 

Cash paid for marine and inland losses, . . $124,410 41 
Deduct salvage and re-insurance, . . . 33,345 80 

Net cash paid for marine and inland losses, . $91,004 Gl 

Cash paid for commissions and brokerage, .... 539,11029 

for salaries of officers and employees, . . . 190,564 22 

for State and local taxes, 82 

for incidentals, 122,542 32 

Deposits returned on perpetual fire risks, . $268 00 



Gross cash expenditures, $2,761,827 89 

Risks and Premii 

Premiums. 

Fire risks outstanding Dec. 31, 1890, . $3< 59 00 18,715,06146 

Fire risks written during 1891, . . .318,543,777 £,289,188 



Total, $086,332,236 00 $7,004,251 23 

Deduct risks expired and terminated, . . 287,036,093 00 2,966,980 81 



In force at end of year $399,296,143 00 £4,037,270 42 

Deduct amount re-insured, .... 5,440,040 59,115 61 



Net amount in force, .... $393,856,103 00 $3,978,154 81 
Perpetual risks in force (not included above), 00 8,54: 

Marine risks outstandingDec. 31, 1890, . . $371,560 00 $14,275 88 
Marine risks written during 1891, . . . 32,577,433 00 .'.244 22 



Total, 2,948,993 00 I 10 

Deduct risks expired and terminated, . . 32,679,443 00 ',376 02 



In force at end of year 8269,550 00 $11,144 08 

Deduct amount re-insured, .... 9,000 00 327 00 



Net amount in force, $260,550 00 7 . - 

Miscellaneous. 

Fire losses incurred during the year, $1,923,644 00 

Marine and inland losses incurred during the year, . . 93,565 00 



UNITED STATES BRANCH OF THE 'GUARDIAN FIRE AND 
LIFE ASSURANCE COMPANY;' LONDON, ENGLAND. 

DErosix Capital, $200,000. 
HENRY E. BOWERS, Resident Manager. 

Office, Xew York, N. T. 
Detailed Statement of Stocks and Bonds 

Par Value. Market Value. 

New York, Chicago & St Louis R R. bonds, . $ 50,000 00 $48,000 00 
Brooklyn & Montauk Railroad bonds, . . 25,000 00 87,006 00 

New York, Lackawanna & Western RR. bonds, 50,000 00 62,750 00 



1891.] FOREIGN FIRE INSURANCE COS. 



371 



Oswego & Syracuse Railroad bonds, 
Buffalo & Erie Railroad bonds, 
Long Island Railroad bonds, . 
Utica, Clinton & Binghamton R.R. bonds, 
Kalamazoo, Alleg. & Grand Rapids R.R bonds 
New York city bonds, . ... 
Equitable Gas Light Company bonds, 
United States bonds, 



Tar Value. 

$50,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 

275,000 00 
50,000 00 

425,000 00 



Market Value. 

$54,500 00 
56,562 50 
56,875 00 
54,250 00 
53,000 00 

278,062 50 
53,500 00 

497,250 00 



$1,125,000 00 $1,241,750 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), $226,000 00 

Interest due or accrued thereon, . . . 2,277 26 

Stocks and bonds, as per schedule, . . . 1,241,750 00 

Cash deposited in bank, 90,781 64 

Interest due and accrued, .... 12,333 34 

Premiums in course of collection (gross), . 111,158 36 

Rents due and accrued, 416 67 

Premiums more than 3 months due, $8,438 55 

Gross assets, 



Special deposits, 

Cash not in control of trustees, 



Unadmitted. 



$263,250 00 
1,066 87 



,684,717 27 



264,316 87 



Balance, $1,420,400 40 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



$54,778 00 

78,758 00 

8,351 00 

$141,887 00 

12,277 00 

$129,610 00 

898,350 82 

4,355 70 

9,462 76 

4,087 84 

206 80 

1,046,073 92 

168,411 50 



877,662 42 



* Value of lands mortgaged, . . . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$298,000 00 
179,000 00 
179,000 00 



372 



UNITED STATES BRANCHES OF [Dec. 31, 



Surplus as regards policy-holders, . 
Deposit capital, .... 



$542,737 98 



Surplus over capital, 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 



Entire premiums collected, 
Less re-insurance and return premiums, 
Net cash tire premiums received, 
Interest received on mortgages, 



fl,093,936 54 

12..- 
Interest and dividends received from all other sources, . 31,941 51 



$118,964 65 
"» 80 

$11-." - N 
1,372,4. 

£1,490,969 11 
119,596 91 



277,435 66 



Gross cash income, f 1,136 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and re-insurance, . 
Net cash paid for tire losses, ... 
Cash paid for commissions and brokerage, 



$804,350 56 
41,442 53 



for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, 



- $762,908 03 

is & 

H 44 

71,251 41 

. 11,206,264 26 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, . 



Risks and Premium-. 

Premiums. 

$212,354,190 00 $: 
.161,263,999 00 1,37: 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$373,618,189 00 f 3,05 4,692 00 
.156,727,719 00 1,306, 



$216,890,470 00 $1,746,164 
6,109,449 00 40*57 - 



Net amount in force, .... 

Miscellaneous. 
Fire losses incurred during the year, 



$210,781,021 00 $1,705,593 69 






1891.] FOREIGN FIRE INSURANCE COS. 



373 



UNITED STATES BRANCH OF THE " HAMBURG-BREMEN FIRE 
INSURANCE COMPANY," HAMBURG, GERMANY. 

Deposit Capital, $205,000. 
F. O. AFFIELD, Resident Manager. 

Office, New York, N. Y. 



Detailed Statement of Stocks 



United States bonds, . 

Georgia State bonds, 

City of Richmond, Va., bonds, . 

New York City bonds, 

Portland city water bonds, 

Chicago, Milwaukee & St Paul R.R. bonds, 

Chicago & Northwestern Railroad bonds, 

Chicago, Burlington & Quincy Railroad bonds, 

New York, Lake Erie & Western R.R bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

Central Pacific Railroad bonds, 

Kansas Pacific R.R., Denver division, bonds, 

Union Pacific Railroad bonds, . 

Oregon Railway & Navigation Co. bonds, 

Northern Pacific Railroad bonds, 

Louisville & Nashville Railroad bonds, . 

Illinois Central Railroad bonds, 

St. Paul, Minn. & Manitoba Railroad bonds, 

Wabash Railroad bonds, .... 

Long Island Railroad bonds, . 

Atchison, Topeka & Santa Fe R R. bonds, 

Lake Erie & Western Railroad bonds, 

New York, Chicago & St. Louis R.R. bonds, 

EastTenn., Virginia & Georgia R.R. bonds, 

Denver & Rio Grande Railroad bonds, . 

Pennsylvania Railroad bonds, . 

Central Ohio Railroad bonds, . 

Pennsylvania Company bonds, 

Scioto Valley & New England Railroad bonds, 

Chic, Mil. & St. PI, Chic. & Pac. W. Div. b'ds, 



and Bonds. 

Par Value. 

$100,000 00 
25,000 00 
15,000 00 
205,000 00 
50,000 00 
15,000 00 
25,000 00 
20,000 00 
25,000 00 
25,000 00 
20,000 00 
20,000 00 
20,000 00 
10,000 00 
20,000 00 
30,000 00 
50,000 00 
15,000 00 
25,000 00 
30,000 00 
25,000 00 
25,000 00 
30,000 00 
25,000 00 
25,000 00 
10,000 00 
25,000 00 
30,000 00 
30,000 00 
15,000 00 



Market Value. 

$117,000 00 
27,750 00 
16,575 00 
209,362 50 
55,250 00 
18,150 00 
34,625 00 
25,100 00 
33,750 00 
31,000 00 
22,400 00 
21,600 00 
22,400 00 
11,300 00 
23,600 00 
3'),300 00 
45,812 50 
14,700 00 
25,812 50 
34,350 00 
21,312 50 
27,187 50 
28,762 50 
24,750 00 
20,250 00 
11,200 00 
25,250 00 
32,325 00 
2:5,250 00 
16,200 00 



$985,000 00 $1,051,325 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), $9,000 00 

Interest due or accrued thereon, . . . 168 75 

Stocks and bonds, as per schedule, . . . 1,051,325 00 



* Value of lands mortgaged, $30,000 00 

Value of buildings thereon 60,000 00 

Amount of insurance held as collateral, .... 23,000 00 



374 



UNITED STATES BRANCHES OF [Dec. 31, 



Cash deposited in bank, .... 
Interest due and aecrned, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Gross assets, 



Unadmitted. 



Special deposits, 

Cash not in control of trustees, 



155,509 77 

1,000 00 

95,029 66 

6,492 00 



$99,575 00 
509 77 



$1,218,520 18 



100,084 77 



Balance 11,118,440 41 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Deposit capital, .... 



$6,300 00 
59,480 00 
24,000 00 

$89,780 00 
5,920 00 

$83,860 00 

810,730 42 

14,779 02 



$909,369 44 
69,821 34 



839,548 10 

$278,892 31 
.,000 00 



Surplus over capital, 1*892 31 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash fire premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other 



$92,069 32 

275 16 

$91,794 16 

1,331,302 50 



$1,423,096 66 

101.521 66 

$1,321,575 00 

264.522 84 



sources, 



$1,057,052 16 

405 00 

44,569 29 



Gross cash income, §1,102,026 45 



1891.] 



FOREIGN FIRE INSURANCE COS. 



375 



Expenditures. 

Cash paid for fire losses, . . . . $706,643 32 

Deduct salvage and re-insurance, . . . 42,317 62 

Net cash paid for fire losses, .... $664,325 70 

Cash paid for commissions and brokerage, .... 173,695 12 

for salaries of officers and employees, . . . 102,395 88 

for State and local taxes, 25,491 76 

for incidentals, 66,045 66 



Gross cash expenditures, . 



. $1,031,954 12 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

$120,749,504 00 $1,469,372 19 
.111,672,267 00 1,331,302 50 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$232,421,771 00 $2,800,674 69 
. 104,681,817 00 1,216,504 81 



$127,739,954 00 $1,584,169 88 
2,155,039 00 26,709 41 



$125,584,915 00 §1,557,460 47 



Miscellaneous. 
Fire losses incurred during the year, 



. $697,856 00 



UNITED STATES BRANCH OF THE "IMPERIAL INSURANCE 
COMPANY, LIMITED," LONDON, ENGLAND. 

Deposit Capital, $286,000. 

JOHN C. PAIGE, Resident Manager. 

Office, 20 Kilby Street, Boston. 



Detailed Statement 



United States bonds, . 
New York city bonds, 
City of Boston bonds, 
City of Providence bonds, 
West Shore Railroad bonds, 
Lehigh Valley Railroad bonds, 
West Virginia State certificates, 



of Bonds. 

Par Value. 

$481,000 00 

150,000 00 

100,000 00 

50,000 00 

100,000 00 

40,000 00 

28,666 67 



Market Value. 

$567,580 00 

152,250 00 

97,500 00 

50,000 00 

104,000 00 

41,000 00 

2,436 66 



$949,666 67 £1.014,766 66 



376 



UNITED STATES BRANCHES OF [Dec. 31, 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 

Stocks and bonds, as per schedule, . 

Cash in the office and in bank, .... 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Premiums more than 2 months due, $12,074 30 
Gross assets, 



Special deposits, 

Cash not in control of trustees, 



Unadmitted. 



$170,634 70 

1,014,700 66 

111,935 22 

2,8'.' 
198,004 61 
4.049 48 



•5,886 50 



,100 00 

111,935 22 401,".;- 



Balance, 11,407*851 28 



Liabilities. 

Losses adjusted, unpaid, $20,708 16 

claimed and reported, .... 0^,473 69 

disputed or resisted, .... 16,065 

Total amount of losses, ,217 47 

Less re-insurance, ' ■> 00 

Net amount of unpaid losses, .... $98,072 47 
Unearned premiums on outstanding risks, . $8 >,45 v 
Commissions and brokerage, .... 36,090 54 

Gross liabilities, except capital, . . . f 1,015,221 <>l 
Deduct liability on special deposits, . . 64,201 63 

Surplus as regards policy-holders, 

Deposit capital, 

Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1890, . $187,0" 7 
Premiums on risks written or renewed, . . 1,456,398 95 

Total, §1,643,4." 

Premiums now in course of collection, . . 210,679 00 

Entire premiums collected, .... $1,432,777 59 
Less re-insurance and return premiums, . . 273,201 10 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rents, etc , 

Received from home office, .... $242,499 1 2 



951.019 38 
?l~ 



$1,159,576 49 
— .158 33 

B 



Gross cash income, $1,197,121 10 



1891.] FOREIGN FIRE INSURANCE COS. 



377 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$937,696 15 
34,280 75 



Gross cash expenditures, $1,343,449 48 



$903,415 40 

246,241 18 

115,390 82 

45,387 76 

33,014 32 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



$153,608,613 00 
. 169,447,027 00 



$323,055,640 00 
. 133,560,014 00 



$189,495,626 00 
. 7,405,306 00 



Premiums. 

$1,635,090 55 
1,456,398 95 

$3,091,489 50 
1,312,426 72 

$1,779,062 78 
88,782 46 



$182,090,320 00 $1,690,280 32 



Miscellaneous. 
Fire losses incurred during the year, 



$922,279 00 



UNITED STATES BRANCH OF THE "LANCASHIRE INSURANCE 
COMPANY," MANCHESTER, ENGLAND. 

Deposit Capital, $779,500. 
E. LITCHFIELD, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $879,500 00 $1,027,515 00 

Albany & Susquehanna Railroad bonds, . . 15,000 00 19,350 00 

Baltimore & Ohio Railroad bonds, . . . 75,000 00 83,550 00 

Brooklyn & Montauk Railroad bonds, . . 30,000 00 31,950 00 

Chicago, Burlington & Quincy Railroad bonds, 21,000 00 19,425 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 20,000 00 21,600 00 

Chicago & North Western Railroad bonds, . 35,000 00 32,900 00 

Chicago, Rock Island & Pacific R R. bonds, . 20,000 00 24,400 00 

Chicago, St. Louis & New Orleans RR. bonds, 15,000 00 16,650 00 

Delaware and Hudson Canal Company bonds, 20,000 00 21,750 00 

Detroit, Monroe & Toledo Railroad bonds, . 15,000 00 19,350 00 

Illinois Central Railroad bonds, . . . 40,000 00 39,460 00 

Michigan Central Railroad bonds, . . . 33,000 00 39,180 00 



378 



UNITED STATES BRANCHES OF [Dec. 31, 



Milwaukee & St Paul Railroad bonds, . 
New York Central & Hudson River R R. bonds, 
New York, Lackawanna & Western R R bonds, 
Ottumwa, Cedar Falls & St. Paul R R bond-, . 
St. Louis, Jacksonville & Chicago R.R. bonds, 
Syracuse, Binghamton & N. Y. R R. bonds, . 
Portland, Oregon, city bonds, .... 

Georgia State bonds, 

St. Paul & Northern Pacific Railroad bonds, . 
Philadelphia & Erie Railroad bonds, 
Cleveland, Cin., Chic. & St. Louis R R. bonds, 
St. Paul, Minnesota & Manitoba R R. bonds, . 
Rome, Watertown & Ogdensburg R R. bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Northern Central RR bonds, .... 
Pennsylvania R R. bonds, .... 



Par Value. 

$10,000 
25,000 00 
15,000 00 
20,000 00 
10,000 00 
15,000 00 
50,000 00 
25,000 00 
22,000 00 
18,000 00 
25,000 00 
50,000 00 
12,000 00 
20,000 00 
19,000 00 
20,000 00 



Market Value. 

112,300 00 

,850 00 
19,275 00 

.900 00 
10, G00 00 
18,900 00 
53,750 00 
24,500 00 
25,960 00 
21,600 00 
23,000 00 
40,250 00 
13,440 00 
17,075 00 
20,900 00 
24,400 00 



$1,574,500 00 $1,781,070 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Bonds, as per schedule, .... 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



$382,992 85 

1,781,070 00 

418 32 

646,377 49 

235,921 27 



$3,046,779 93 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$195,250 00 
36,795 81 



45 81 



Balance, $2,814,734 12 



Liabilities 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
State and local taxes, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, 
Deposit capital, .... 



Impairment, 



$45,139 84 

234,277 81 

27,103 52 

2,246,103 50 

10,000 00 

46,388 19 

$2,609,012 86 
72,353 00 



'2,536,659 86 

$278,074 26 
779,500 00 

§501,425 74 



1891.] 



FOREIGN FIRE INSURANCE COS. 



379 



Income. 
Fire premiums outstanding Dec. 31, 1890, . $178,588 50 
Premiums on risks written or renewed, m . . 3,262,045 36 

Total, $3,440,633 86 

Premiums now in course of collection, . . 235,921 27 



Entire premiums collected, . . . . $< 
Less re-insurance and return premiums, . 
Net cash fire premiums received, . . . — 
Interest and dividends received from all sources, 
Income from rents, 



1,204,712 59 
409,014 84 



$2,795,697 75 
67,992 87 
11,461 49 



Gross cash income, $2,875,152 11 



Expenditures. 
Cash paid for fire losses, . . . 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 



Gross cash expenditures, .... 

Risks and Premiums. 



$1,337,266 53 

943,809 02 

63,400 76 

43,036 06 

71,455 50 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, . 



$220,035,244 00 
. 419,475,209 00 

$639,510,453 00 
. 232,998,024 00 

$406,512,429 00 
. 5,113,421 00 



$2,458,967 87 



Premiums. 

$2,165,900 36 
3,262,045 36 

^5,427,945 72 
2,003,262 91 

^3,424,682 81 
54,717 04 



$401,399,008 00 $3,369,965 77 



Miscellaneous. 
Fire losses incurred during the year, 



$1,436,611 00 



UNITED STATES BRANCH OF THE "LION FIRE INSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
M. BENNETT, Jr., Resident Manager. 

Office, Hartford, Conn. 
Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $150,000 00 

Brooklyn city bonds, 200,000 0(? 

Richmond city bonds, 17,000 00 

Georgia State bonds, 25,000 00 



Market Value 

$175,500 00 

202,000 00 

17,000 00 

25,000 00 



$392,000 00 $419,500 00 



380 



UNITED STATES BRANCHES OF [Dec. 31, 



Securities held as collateral for cash loans : 



50 shares Hartford Fire Insurance Company, 

120 ' 

11 ' 

14 

108 ' 

100 ' 

41 ' 



Pennsylvania Railroad, . 
iEtna Fire Insurance Company, 
Phoenix Fire Insurance Company, 
United Express Company, 
Cleve., Chic, Cinn. & St. L. R y, 
Hartford Carpet Company, 



Market Value. 

6,600 00 

2,750 00 
2,660 00 
5,400 00 
jO 00 
4,100 00 



Loaned Thereon. 

#11, oo< 

4, .000 00 
3,2" 

00 

3,300 00 



146,380 00 f31,500 00 



Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*), $206,550 00 

Interest due or accrued thereon, . . . 4,002 10 

Stocks and bonds, as per schedule, . . . 419,500 00 

Loans on collateral security, as per schedule, . 31,500 00 

Cash in the office of the company, ... 89 66 

Cash deposited in bank, 82,681 61 

Interest due and accrued, 27 50 

Premiums in course of collection (gross), . 103,965 94 

Grose assets, 



$854,176 81 



Unadmitted. 



Special deposits, 

Cash not in control of trustees, 



$217,500 00 
12,771 27 



.71 27 



Balance, $623,905 54 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Re-insurance, etc., .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Deposit capital, 



.146 86 

40,203 00 

7,575 00 

324,950 68 

15,llo 

8,014 26 

$421,003 32 
61,744 47 



359,258 85 



,.646 69 
200,000 00 



Surplus over capital, ^,646 69 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$151,5-24 00 

76 00 

226,500 00 



1891.] 



FOREIGN FIRE INSURANCE COS. 



381 



Income. 

Fire premiums outstanding Dec. 31, 1890, . $56,018 58 
Same not collected, 75 00 

Net collected, . .... $55,943 58 

Premiums on risks written or renewed, . . 805,158 89 

Total, $861,102 47 

Premiums now in course of collection, . . 103,965 94 

Entire premiums collected, .... $ 757,136 53 
Less re-insurance and return premiums, . . 255,370 66 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$501,765 87 
10,376 48 
16.484 39 



Gross cash income, $528,626 74 



Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$295,301 13 

94,481 00 

27,611 40 

18,299 60 

34,140 30 



Gross cash expenditures, $469,833 43 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Risks and Premiums. 

Premiums. 

. $57,124,870 00 $703,458 60 
. 79,578,403 00 805,158 89 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$136,703,273 00 $1,508,617 49 
.63,701,443 00 677,950 08 



.$73,001,830 00 $830,667 41 
. 19,070,009 00 205,631 71 



.$53,931,821 00 $625,035 70 



Miscellaneous. 
Fire losses incurred during the year, , 



$313,100 00 



382 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE "LIVERPOOL AND LONDON 
AND GLOBE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $200,000. 
HENRY W. EATON, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bomds. 

Par Value. Market Value. 

United States bonds $1,575,000 00 $1,846,687 5C 

New York city bonds, 50,000 00 55,000 00 

Richmond city bonds, 5,000 00 6,800 00 

Boston city bonds, 180,000 00 207,450 00 



$1,810,000 00 $2,115,937 50 
Securities held as collateral for cash loans : — 

Market Value. Loaned Thereon. 

Omaha & St. Louis R R bonds, . . . §20,000 00 $10,000 00 



Summary of Assets Dec. 31, 1891. 

Cash value of unencumbered real estate, . $1,574,500 00 

Loans on mortgage of real estate (first liens*), 2,310,687 50 

Interest due or accrued thereon, . . . 29,336 09 

Stocks and bonds, as per schedule, . . . 2,115,937 50 

Loans on collateral security, as per schedule, . 10,000 00 

Cash in the office of the company, . . . 3,37'J 44 

Cash deposited in bank, 1,010,846 52 

Interest due and accrued, 774 53 

Premiums in course of collection (gross), . .490 21 

Rents due and accrued, 15,000 00 

Loans on life policies, 15,105 00 

Miscellaneous, 6,790 47 

Premiums more than 3 months due, $38,369 99 

Gross assets, $7,862,847 26 



Unadmitted. 



Special deposits, 

Cash not in control of trustees, 

Miscellaneous, . 



$257,950 00 

120,397 56 

6,790 47 



385,138 03 



Balance, $7,477,709 23 



* Value of lands mortgaged $2,214,250 00 

Value of buildings thereon, 2,309,350 00 



1891.] FOREIGN FIRE INSURANCE COS. 



383 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reelaimable on perpetual fire policies, . 
Liabilities under life department, . 
Commissions and brokerage, . 
Re-insurance, etc., 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 

Income. 
Fire premiums outstanding Dec. 31, 1890, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



$ 10,342 88 

862,135 85 

27,750 00 

$900,228 73 
150,161 03 

$750,067 70 

3,583,261 18 

332,179 18 

110,965 12 

77,536 98 

122,616 35 



$4,976,626 51 
193,083 00 



$4,783,543 51 

$2,694,165 72 
200,000 00 



. $2,494,165 72 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 

Deposits received for perpetual fire risks, 



Gross cash income, 



Expenditure?. 
Cash paid for fire losses, $3,455,747 09 

Deduct salvage and re-insurance, . . . 303,572 98 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 
Deposits returned on perpetual fire risks, . $11,535 19 

Gross cash expenditures, . 



$740,780 35 
3,945 77 

$736,834 58 
6,074,626 16 

^6,811,460 74 
808,860 20 

£6,002,600 54 
1,193,024 06 



sources, . 

$8,000 38 



$4,809,576 48 
87,323 84 
64,532 99 
66,008 93 

$5,027,442 24 



5,152,174 11 

889,121 00 

245,400 36 

91,025 09 

241,417 22 

. $4,619,137 78 



384 



UNITED STATES BRANCHES OF [Dec. 31, 



Risks and Premium- 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



$699,031,644 00 
670,335,604 00 



Total, $1,369,367,248 00 

Deduct risks expired and terminated, . 573,420,887 00 



In force at end of year, . 
Deduct amount re-insured, 



$795,946,361 00 
52,610,497 00 



Premiums. 

t6,66M2? 

6,074,626 16 



Net amount in force, .... $743,335,864 00 
Perpetual risks in force (not included above) , $ 10,257,483 00 

Miscellaneous. 
Fire losses incurred during the year, 



\ 12,743,049 09 
5,304,877 25 

71 84 
421,097 98 

§7,01 ; 

$349,662 29 



$3,445,939 00 



UNITED STATES BRANCH OF THE "LONDON ASSURANCE 
CORPORATION, 1 ' LONDON. 

[fire branch] 

Deposit Capital, $270,000. 
GEORGE H. MARKS, Resident Manager. 

Office, New York. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $700,000 00 $829,500 00 

Atchison, Topeka & Santa F<S R R. bonds, . 78,000 00 66,690 00 

Central Railroad of New Jersey bonds, . . 40,000 00 45,000 00 

Chicago, Mil. & St. Paul Railroad bonds, . 100,000 00 118,625 00 

Chicago, St. Louis & New Orleans R.R. bonds, 8,000 00 9,200 00 

Colorado Midland Railway bonds, . . . 35,000 00 38,850 00 

Denver & Rio Grande Railroad bonds, . . 30,000 00 24,600 00 

Erie Railway bonds, 50,000 00 6 7, 750 00 

Lehigh Valley Railway bonds, . . . 30,000 00 30,750 00 

Long Island Railroad bonds, .... 45,000 00 51,750 00 

Louisville & Nashville Railroad bonds, . . 25,000 00 30,500 00 

Milwaukee, Lake Shore & Western R.R, bonds, 25,000 00 30,812 50 

Minneapolis & St. Louis Railroad bonds, . 25,000 00 .500 00 

Northern Pacific Railroad bonds, . . . 25,000 00 29,625 00 

Philadelphia & Reading Railroad bonds, . 15,000 00 12,900 00 

St. Paul, Minn. & Manitoba Railroad bonds, . 55,000 00 64,875 00 

City of Richmond (Va ) bonds, . . . 50,000 00 50,000 00 

Scioto Valley & New England Railroad bonds, 30,000 00 23,362 50 



$1,366,000 00 $1,554,290 00 



1891.] FOREIGN FIRE INSURANCE COS. 



385 



Summary of Assets Dec. 31, 1891. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



Unadmitted. 



Special deposits, 

Cash not in control of trustees, 



$1,554,290 00 

510 85 

42,048 45 

167,708 29 



$257,375 00 
6,382 87 



$ 1,764,557 59 



263,757 87 



Balance, $1,500,799 72 



Liabilities. 

Amount of unpaid losses, .... 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Deposit capital, 



$100,317 31 

862,960 90 

347 70 

26,078 10 



$989,704 01 
104,875 47 



884,828 54 

£615,971 18 
270,000 00 

Surplus over capital, $345,971 18 

Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, $1,561,094 86 

Premiums now in course of collection, . . 167,708 29 

Entire premiums collected, .... $1,393,386 57 
Less re-insurance and return premiums, . 277,284 80 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Gross cash income, $1,161,371 77 



$183,455 70 
1,377,639 16 



,116,101 77 
45,270 00 



Expenditures. 
Cash paid for lire losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Remitted to home office, 

Gross cash expenditures, .... 



$771,85~5 39' 

233,380 42 

81,815 41 

28,323 64 

64,093 96 



$18,859 37 



. $1,179,498 82 



38G 



UNITED STATES BRANCHES OF [Dec. 31, 



Risks and Premrm-. 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct anlount re-insured, 

Net amount in force, . 
Perpetual risks in force (included above), 

Miscellaneous. 
Fire losses incurred during the year, 



$189,497,218 00 
. 164,756,893 00 

$354,254,111 00 
. 103,562,228 00 



Premiums. 
$1,54 
1,877,639 16 



$200,691,883 00 

. 10,577,651 00 

$190,114,232 00 
18,300 00 



$2,922,974 95 

f 1,734.. I < 7 

99,788 12 

$1,634,513 95 

366 00 



. $804,906 00 



united states branch of the "london assurance 
corporation; 1 London, England. 

[marine branch] 

Deposit Capital, $300,000. 
CLEMENT L. DE3PARD, Manager and Attorney. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bond*. 

Par Value. Market Valne. 

City of Brooklyn bonds, $100,000 00 $100,000 00 

New York city bonds, 100,000 00 103,000 00 

City of Boston loan, 100,000 00 100,000 00 

$300,000 00 $303,000 00 

Summary of Assets Dec. 31, 1891. 

Bonds, as per schedule, $303,000 00 

Cash in the office of the company, . . . 2,773 36 

Cash deposited in bank, 197,501 47 

Interest due and accrued, 4.031 25 

Premiums in course of collection (gross), . 96,850 95 

Notes taken for marine and inland risks, . 13,997 92 

Gross assets, 

Unadmitted. 

Cash not in control of trustees, . . . £2,857 49 

Bills receivable, 13,997 92 

Uncollected preni's in excess of unearned pram's, 3,795 18 



$618,154 95 



20,650 59 



Balance, $597,504 36 



1891.] FOREIGN FIRE INSURANCE COS. 



387 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 

Surplus over capital, .... 



$117,015 46 
13,500 00 

$130,515 46 
92,927 88 

$37,587 58 

93,055 77 

4,258 70 

18,301 64 



$153,203 69 

$444,300 67 
300,000 00 

$144,300 67 



Income. 
Marine premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 



5,716 64 
727,768 53 

$806,485 17 
96,850 95 

$709,634 22 
132,692 36 



$576,941 86 
11,897 68 



Gross cash income, $588,839 54 

Expenditures. 
Cash paid for marine and inland losses, . . $397,106 85 
Deduct salvage and re-insurance, . . . 97,702 27 

Net cash paid for marine and inland losses, . $299,404 58 

Cash paid for commissions and brokerage, .... 54,743 44 
for salaries of officers and employees, . . . 11,724 10 

for State and local taxes, 8,710 31 

for incidentals, 17,527 86 

Remitted to home office, $124,734 15 

Gross cash expenditures, $392,110 29 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 

Net amount in force, 



. $7,275,016 00 
.112,875,227 00 

$120,150,243 00 
. 112,929,956 00 

. $7,220,287 00 
. 1,205,969 00 



Premiums. 

$125,462 30 
727,768 53 

$853,230 83 
736,252 88 

$116,977 95 
23,922 18 



$6,014,318 00 $93,055 77 



Miscellaneous. 
Marine and inlaud losses incurred during the year, 



$301,141 00 



388 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE "LONDON AND LANCASHIRE 
FIRE INSURANCE COMPANY,' LIVERPOOL, ENGLAND. 

Deposit Capital, $290,000. 
JEFFREY BEAVAN, Resident Manager. 

Office, New York, N. Y. 



Detailed Statement of 

United States bonds, 

Baltimore & Ohio Railroad bonds, . 

Chicago & Northwestern Railroad bond-. 

Chicago, Rock Island & Pacific R.R. bonds, . 

Central Railroad of New Jersey bonds, . 

Cincinnati, Ind., St. Louis & Chic. R.R. bonds, 

Delaware & Hudson Railroad bond-. 

Lake Shore & Michigan Southern R R. bonds, 

New York Central A: Hudson River R R. bonds. 

New Y r ork & Harlem Railroad bonds, 

West Shore Railroad bonds, .... 

Lake Erie & Western Railroad bonds, 

Lehigh Valley Railroad bonds, 

Mil., Lake Shore & Western Railroad bonds, . 

Baltimore Belt Railroad bonds, 

New York City bonds, 



Bonds. 

Par Value. 

$395,000 00 

100,000 00 

100,000 00 

90,000 00 

100,000 00 

100,000 00 

25,000 00 

92,000 00 

.000 00 

50,000 00 

100,000 00 

25,000 00 

25,000 00 

25,000 00 

,000 00 

120,000 00 



Market Value. 

$466,100 00 

109,000 00 

123,000 00 

109,800 00 

109,000 00 

92,500 00 

35,250 00 

110,400 00 

94,875 00 

60,500 00 

103,500 00 

1 00 

00 

26,500 00 

25,563 00 

122,400 00 



$1,447,000 00 $1,641,200 00 



Summary of Assets Dec 

Cash value of unencumbered real estate 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross) 
Notes taken for fire risks, . 
Rents due and accrued, 

Gross assets, .... 



31, 1891. 

$298,130 00 

1,641,200 00 

90,834 48 

75,858 38 

366,764 05 

326 12 

4,540 41 



^2.477,653 44 



Unadmitted. 

Special deposits, $265,500 00 

Cash not in control of trustees, . . . 166.692 86 

Bills receivable, 326 12 

432,518 98 

Balance, $2,045,134 46 



1891.] FOREIGN FIRE INSURANCE COS, 



389 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less re-insurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Re-insurance, etc., .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



$74,243 71 

171,301 63 

32,113 47 

$277,658 81 
42,178 75 



$235,480 06 

1,510,611 17 

4,538 63 

55,937 86 

60,437 45 



$1,867,005 17 
140,784 27 



f 1,726,220 90 



Surplus as regards policy-holders, $318,913 56 

Deposit capital, 290,000 00 



Surplus over capital, . 



$28,913 56 



Income. 

Fire premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



Entire premiums collected, .... $2,659,562 24 
Less re-insurance and return premiums, . . 851,018 35 
Net cash fire premiums received, 
Interest and dividends received from all sources, . 



$253,375 93 
2,772,950 36 

$3,026,326 29 
366,764 05 



$1,808,543 89 
. 50,911 61 



Gross cash income, $1,868,455 50 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and re-insurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



. $1,313,958 83 
207,732 17 



$1,106,226 66 

379,055 74 

123,165 6Q 

40,293 84 

140,981 57 



Gross cash expenditures, $1,789,723 47 



390 



UNITED STATES BRANCHES OF [Dec. 31, 



Risks and Premii 



Fire risks outstanding Dec. 31, 1890, 
Fire risks written during 1891, 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$295,186,450 00 

. 270,956,159 00 

$566,142,615 00 

.216,379,521 00 

$349,763,094 00 

. 29,208,363 00 



Premiums. 

$2,849,483 07 
2,772,950 36 

$5,622,433 43 
2,354,588 67 

$3,267,844 76 
389,683 89 



$320,554,731 00 $2,878,160 87 



Miscellaneous. 
Fire losses incurred during the year, 



. $1,205,886 00 



UNITED STATES BRANCH OF THE » MANCHESTER FIRE ASSUR- 
ANCE COMPANY," MANCHESTER, ENGLAND. 

Deposit Capital, $200,000. 

W. W. DUDLEY, Manager. 

Office, Chicago, III. 



Detailed Statement of Bonds. 



New York city bonds, .... 

United States bonds, 

"Wheeling & Lake Erie Railroad bonds, . 
Lehigh Valley Railroad bonds, 
St. Paul, Minnesota ft Manitoba R.R. bonds, 
Chesapeake ft Ohio Railroad bonds, 
Chicago, Milwaukee A St. Paul R.R. bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Knoxville, Ohio, Railroad bonds, 
Central Railway of New Jersey bonds, . 
West Shore Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Pennsylvania Railroad bonds, . 
Chicago & West Indiana Railroad bonds, 
Illinois Central Railroad bonds, 
District of Columbia bonds, 



Par Valne. 

?200,000 00 
125,000 00 
30,000 00 
25,000 00 
25,000 00 
25,000 00 
55,000 00 
27,000 00 
15,000 00 
30,000 00 
25,000 00 
53,000 00 
75,000 00 
55,000 00 
25,000 00 
20,000 00 



Market Value. 
$212,000 00 

146,250 00 
31,050 00 
25,500 00 
24,500 00 
26,000 00 
59,400 00 
29,970 00 
15,975 00 
33,000 00 
25,625 00 
56,440 00 
77,350 00 
62,975 00 
24,000 00 
22,900 00 



$810,000 00 $872,935 00 



1891.] FOREIGN FIRE INSURANCE COS. 



391 



Summary of Assets Dec. 81, 1891. 

Loans on mortgage of real estate (first liens), $50,000 00 

Bonds, as per schedule, 872,935 00 

Cash in the office of the company, . . . 2,202 59 

Cash deposited in bank, 33,312 06 

Premiums in course of collection (gross), . 225,304 79 

Gross assets, 



$1,183,754 44 



Unadmitted. 



Special deposit, . 

Cash not in control of trustees, 



$167,000 00 
35,514 65 



202,514 65 



Balance, $981,239 79 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less re-insurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special dejDosits, 



$19,810 88 
51,066 45 
11,880 50 

$112,757 83 
10,111 63 

$102,646 20 

520,533 82 

42,570 91 



$665,750 93 
39,200 18 



626,550 75 



Surplus as regards policy-holders, . 
Deposit capital, 



. $354,689 04 
200,000 00 



Surplus over capital, 



. $154,689 04 



Income. 

Fire premiums outstanding Dec. 31, 1890, . $106,064 86 
Premiums on risks written or renewed, . . 1,199,682 57 



Total, $1,305,747 43 

Premiums now in course of collection, . . 225,304 79 



Entire premiums collected, .... $1,080,442 64 
Less re-insurance and return premiums, . . 275,530 53 
Net cash fire premiums received, 
Interest and dividends received from all sources, . 



$804,912 11 
24,390 65 



Gross cash income, $829,302 76 



392 



UNITED STATES BRANCHES OF [Dec. 31, 



Expenditures. 

Cash paid for fire losses, $330,730 94 

Deduct salvage and re-insurance, . . . 17,699 10 

Net cash paid for fire losses, .... $313,031 84 

Cash paid for commissions and brokerage, .... 188,292 23 
for salaries of officers and employees, . . . 38,8:;^ 54 

for State and local taxes, 14,697 03 

for incidentals, 55,993 76 

Remitted to home office, $43,506 87 

Gross cash expenditures, $610,853 40 



Fire risks outstanding Dec 31, 1890, 
Fire risks written during 1891, 



Risks and Premium- 

Premiums. 

.$19,337,458 00 f.302,016 72 
. 96,943,277 00 1,199,682 57 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



$ 116,580,735 00 $1,501,699 29 
. 39,376,852 00 _ > 01 



$76,903,883 00 f998,876 28 
, 4,390,897 00 .991 19 



12,986 00 $931,885 09 



Miscellaneous. 
Fire losses incurred during the year, 



. ?401,730 00 



UNITED STATES BRANCH OF THE "MANNHEIM INSURANCE 
COMPANY,- 1 MANNHEIM, GERMANY. 

Deposit Capital, $300,000. 
HUGO MENZEL, Resident Manager. 

Office, New York City. 



United States bonds, 
New York City bonds, 



Detailed Statement of Bonds. 

Par Value. 

. $100,000 00 
250,000 00 



Market Yaloe. 

$118,000 00 

'.000 00 



?350,000 00 $368,000 00 



Summary of Assets Dec 

Bonds, as per schedule, .... 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



31, 1891 

§368,000 00 

11,589 60 

22,954 48 

2,247 42 



$404,791 50 



1891.] FOREIGN FIRE INSURANCE COS. 



393 



Unadmitted. 
Cash not in control of trustees, . . . $ 11,589 60 
Premiums in course of collection in excess of 

unearned premiums, 8,643 65 



$20,233 25 



Balance, $384,558 25 



Liabilities. 
Losses adjusted, reported, 

Less salvage, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . • . 
Deposit capital, 

Surplus over capital, .... 



$42,293 59 

13,080 18 

$29,213 41 

16,558 25 

15,638 64 



61,410 30 

$323,147 95 
300,000 00 



$23,147 95 



Income. 

Marine premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Gross cash income, .... 



$40,812 17 
245,691 11 

$286,503 28 
25,201 90 



261,301 38 
10,395 91 



$250,905 47 
$250,905 47 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and re-insurance, 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, 
for State and local taxes, 
for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 



$188,048 01 
66,987 59 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$1,299,922 00 
50,144,081 00 



$121,060 42 

26,036 52 

4,144 89 

6,487 31 

$157,729 14 



Premiums. 

$16,740 76 
235,295 20 



$51,444,003 00 $252,035 96 
48,873,412 00 235,477 71 



Miscellaneous 
Marine and inland losses incurred during the year (est.), 



$2,570,591 00 $16,558 25 
. $124,790 00 



394 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF THE "MARINE INSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $300,000. 

PERCY CHUBB, Resident Manager. 

Office, New York City. 
Detailed Statement of Bonds. 

Par Value. Market Value. 

. |100,000 00 $117,000 00 

300,000 00 311,550 00 

50,000 00 60,000 00 



United States bonds, 
New York City bonds, 
Pennsylvania Railroad bonds, . 



Summary of Assets Dec 

Bonds, as per schedule, „ 

Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Re-insurance, 

Gross assets, 

Unadmitted. ' 
U. S. bonds not in control of trustees, 
Cash not in control of trustees, 
Premiums in course of collection in excess of 

unearned premiums, 

Re-insurance, 



£•±50,000 00 1488,550 00 



31, 1891. 

$488,550 00 

31 14 

27,464 14 

64,751 86 

24,249 86 

16,265 21 
$621,312 21 



•117,000 00 

27,495 28 

45,948 73 

16,265 21 



206,709 22 



Balance, $414,602 99 



Liabilities. 



Losses claimed and reported, 
Less re-insurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Commissions and brokerage, . 

Re-insurance, 

Gross liabilities, except capital, 



$71,444 00 
18,215 00 

853,229 00 

43,052 99 

6,500 00 

4,713 59 

30,007 91 



137.503 49 



1891.] FOREIGN FIRE INSURANCE COS. 395 

Surplus as regards policy-holders, $277,099 50 

Deposit capital, 300,000 00 



Impairment,* $22,900 50 



Income. 

Marine premiums outstanding Dec. 31, 1890, . $62,251 24 
Premiums on risks written or renewed, . . 416,158 43 



Total, $478,409 67 

Premiums now in course of collection, . . 89,001 72 



Entire premiums collected, .... $389,407 95 
Less re-insurance and return premiums, . . 145,243 96 

Net cash marine premiums received, . . $241,163 99 

Interest and dividends received from all sources, . . . 9,000 00 

Income from profit and loss account, 997 33 



Gross cash income, $254,161 32 

Expenditures. 
Cash paid for marine and inland losses, . . $144,015 20 
Deduct salvage and re-insurance, . . . 51,098 82 

Net cash paid for marine and inland losses, . $92,916 38 

Cash paid for commissions and brokerage, .... 42,262 84 

for salaries and expenses, 14,912 69 

for State and local taxes, ..... 7,227 82 



Gross cash expenditures, $157,319 73 



Marine risks outstanding Dec. 31, 1890, 
Marine risks written during 1891, . 



Risks and Premiums. 

Premiums. 

. $13,418,800 00 $67,094 00 
. 128,796,212 00 416,158 43 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount re-insured, 



$142,215,012 00 $483,252 43 
. 128,395,445 00 413,424 58 



.$13,819,567 00 $69,827 85 
. 3,421,250 00 17,456 96 



Net amount in force, . . . $10,398,317 00 $52,370 89 

Miscellaneous. 
Marine and inland losses incurred during the year, . . $123,495 00 

* This impairment has since been made good by a deposit with the trustees of bonds amount- 
ng to $25,U00. 



396 



UNITED STATES BRANCHES OF [Dec. 31, 



UNITED STATES BRANCH OF "THE NATIONAL ASSURANCE 
COMPANY OF IRELAND," DUBLIN, IRELAND. 

Deposit Capital, $200,000. 
GILBERT PALACHE, Manager. 

Office, San Francisco, Cat. 
Detailed Statement of Bonds. 

I'ar Value. 

$120,000 00 



Boston city bonds, 

Lynn city bonds, 

Reading, Pennsylvania, city bonds, 

Boston & Maine Railroad bonds, 

Fitchburg Railroad bonds, 

Old Colony Railroad bonds, 



l.o,000 00 
00 
20,000 00 
15,000 00 
20,000 00 



Market Value. 
$121,300 00 

15,460 00 

10,000 00 
20,000 00 
12,150 00 
21,800 00 



.000 00 $200,700 00 



Summary of Assets Dec. 31, 1891. 

Bonds, as per schedule, $200,700 00 

Cash deposited in bank, 5,500 00 

Cash with trustees, 37,502 15 

Premiums in course of collection (gross), . 25,279 15 

Gross assets, 

Unadmitted. 
Cash not in control of trustees, 



$268,981 30